Retirement Calculator

See how your retirement savings could grow between now and your target retirement age.

How this calculator works

This projects your current savings and monthly contributions forward using compound monthly growth at your expected annual return — the same mechanics as any long-term investment projection.

Future value = compound growth of current savings + monthly contributions
Assumes returns compound monthly and contributions stay constant.

Why starting early matters so much

Because growth compounds on itself, money contributed in your 20s and 30s has decades longer to grow than money contributed in your 50s — even small monthly amounts add up dramatically over a 30+ year horizon.

Frequently asked questions

What return rate should I assume?

7% is a commonly used long-term average for a diversified stock portfolio after inflation, but actual returns vary year to year and aren't guaranteed.

Does this account for inflation?

Not directly — if you want a rough inflation-adjusted projection, use a lower return rate (around 4-5%) to represent real (after-inflation) growth.