Retirement Calculator

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Project your retirement savings from your current age, savings, monthly contribution and expected return. See your balance at retirement, total contributions and growth. Free and instant.

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yrs
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$
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Projected balance at retirement –
Total contributions –
Total growth –
Years to grow –
Current savings and monthly contributions compound monthly at the expected return until retirement. Returns are assumed constant; inflation, taxes and employer matching are not included.

About Retirement Calculator

The retirement calculator projects what your savings could grow to by the time you retire. It takes your current age, planned retirement age, current savings, monthly contribution and expected annual return, then compounds everything monthly over the years in between.

The output splits the projected balance into total contributions — what you actually put in — and total growth, the part earned by compounding. That breakdown makes it easy to see how strongly time in the market and the return rate drive the final number.

Returns are assumed constant, and inflation, taxes and employer matching are not modeled, so treat the result as a planning baseline. It is a fast, free way to test how retiring later or saving more each month changes your trajectory.

How to use Retirement Calculator

  1. Enter your current age and your target retirement age.
  2. Enter your current savings balance and your monthly contribution.
  3. Set the expected annual return on your investments.
  4. Read the projected balance at retirement, plus total contributions and total growth.
  5. Adjust the contribution or retirement age to compare scenarios instantly.

Frequently asked questions

Long-run diversified stock portfolios have historically averaged high single digits before inflation, but conservative planners often model 5–7%. Try several rates — the projection is very sensitive to this input.

No. The balance is in future dollars with no inflation adjustment. To think in today's money, use an expected return net of inflation — for example 7% growth minus 2.5% inflation ≈ 4.5% real.

Your current savings and each monthly contribution grow at the expected return, compounded monthly, until retirement age. Earlier contributions compound longest, which is why starting sooner beats saving more later.

No. Employer 401(k) matches, account fees and taxes on withdrawals are outside the model. You can approximate a match by adding it to your monthly contribution figure.

It is an estimate, not financial advice. Real returns fluctuate, and retirement rules, accounts and tax treatment vary by country. Use the projection for direction and consult a qualified adviser for decisions.
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