About retirement projections
This retirement calculator projects how much your savings could grow by the time you retire, based on your current balance, monthly contributions, the years until retirement and an expected annual return. It shows the projected balance, how much you contributed, and how much is investment growth — a simple way to plan ahead.
How Retirement works
How to use it
- Enter your current and retirement ages and current savings.
- Add your monthly contribution and an expected annual return.
- See your projected balance at retirement.
How it is calculated
Your starting balance grows with compound interest, and each monthly contribution compounds from when it is added. Returns are assumed to compound monthly at the rate you enter.
Estimates, not guarantees
Real investment returns vary and are not guaranteed, and this ignores tax and inflation. Use it for planning and to see the power of compounding, not as financial advice.
Common uses
- Project your retirement savings
- See the power of compounding
- Plan monthly contributions
- Compare retirement ages
- Set a savings target
- Model different return rates
- Motivate consistent saving
- Plan long-term finances
Frequently asked questions
How much will I have at retirement?
Enter your details and the tool projects your balance using compound growth.
What return should I assume?
Many use 5–7% for a long-term diversified portfolio, but returns are not guaranteed.
Does it include inflation or tax?
No — it shows nominal growth; real spending power will be lower.
Does compounding really matter?
Yes — over decades, growth on growth often exceeds total contributions.
Is this financial advice?
No — it is an estimate for planning; consult an adviser for decisions.
Is my data uploaded?
No — it calculates in your browser.
Can I change the contribution?
Yes — try different amounts to see the effect.
Is it free?
Yes — completely free with no sign-up.