Retirement Savings Calculator
Enter your current age, target retirement age, current savings, monthly contribution and an expected annual return to project your balance at retirement.
How it's calculated
This uses the same compound-growth math as the Compound Interest calculator: your current savings and each monthly contribution grow at the monthly-compounded rate you enter, over the number of years until your target retirement age.
This is a projection, not a guarantee. Real investment returns vary year to year and aren't a fixed rate, and this doesn't account for taxes, fees, employer matching, or contribution limits.
Frequently asked
Does this account for employer 401(k) matching?
Not directly — add any expected employer match to your own monthly contribution figure to include it in the projection.
Why might my real balance differ from this projection?
Real markets don't return a fixed rate every year — some years are up, some down, and average over time. This tool shows what a steady average return would produce, which is a simplification used for planning, not a forecast.