Retirement Calculator
What your savings could grow to by retirement — contributions vs growth.
Your plan
Your projection
Estimate only, in future money before tax and inflation — not financial advice.
How to use the Retirement Calculator
- Enter your current age and the age you plan to retire.
- Add your current savings and what you can save each month.
- Set an expected annual return and read your projected savings at retirement.
Retirement Calculator FAQs
How does this retirement calculator work?
It compounds your current savings and your monthly contributions at the annual return you choose, month by month, until your retirement age. The result is the projected value in future money — it does not adjust for inflation unless you compare it yourself.
What annual return should I assume?
Long-term diversified stock-market returns have historically averaged around 7–10% before inflation, but past returns never guarantee future ones. Many planners use a conservative 5–7% for projections.
How much should I save for retirement?
A common rule of thumb is to save 10–15% of your income, including any employer match, starting as early as possible — compounding rewards early starters more than large late contributions.
Does this include inflation or taxes?
No. The projection is in nominal (future) money and before tax. To think in today\u2019s money, divide the result by roughly 1.03 for each year until retirement (about 3% annual inflation).
Is this financial advice?
No. This is an educational estimate only, not personal financial advice. For a retirement plan tailored to your situation, talk to a licensed financial adviser.
Free Retirement Calculator — Project Your Savings at Retirement
This free retirement calculator answers the heavily searched “retirement calculator” question: how much will you have when you retire? Enter your current age, retirement age, savings so far, monthly contribution and expected return, and get a clear projection of your nest egg — contributions versus growth, side by side.
How to use it, step by step
- Enter your current age and planned retirement age.
- Add your current retirement savings.
- Set your monthly contribution and expected annual return.
- Read your projected total, how much you contributed, and how much compounding added.
Popular uses
- Early career: see why starting now beats starting later.
- Mid-career: check whether your monthly saving is on track.
- Pre-retirement: test what a higher contribution changes.
- Planning: compare conservative (5%) and optimistic (8%) return scenarios.