Retirement Savings Calculator
Results
Retirement Savings
Total Contributions
Investment Growth
How the Retirement Savings Calculator Works
This calculator projects your retirement balance by growing your current savings and your ongoing monthly contributions separately at your expected annual return, compounded monthly, until your chosen retirement age. The difference between your total balance and everything you put in is your investment growth.
It's a straightforward compound-growth projection based on the numbers you enter — actual returns vary year to year, so treat the result as a planning estimate rather than a guarantee.
Frequently Asked Questions
Does this factor in inflation?
No — the result is in nominal (future) dollars. Pair it with the Inflation Impact Calculator to see what that balance would be worth in today's purchasing power.
What annual return rate should I use?
There's no universal answer — it depends on your investment mix. Many long-term planners use a conservative estimate somewhere in the mid-single digits for diversified portfolios, but you should base it on your own investment strategy.
Does this include Social Security or a pension?
No — this only projects the savings and contributions you enter here. Add any other expected income sources separately when planning your total retirement income.