Are returns guaranteed?

No. Markets vary. The projection assumes a steady rate you choose for illustration.

Does it include inflation or Social Security?

This tool focuses on contribution and growth math unless those inputs are explicitly included.

Retirement Savings Calculator

How to use Retirement Savings Calculator

Enter current savings, monthly contribution, and expected return.
Set years until retirement.
Review the projected balance.

Worked examples

Concrete numbers and cases you can check against the tool above.

Current $40,000, $500/month, 7%, 25 years

This is the same math as compound interest with a starting balance. Rough order of magnitude: the nest egg can land in the mid–six figures if contributions are consistent and the return assumption holds. Drop the return to 4% and the gap is large — that is why the rate input is the sensitivity that matters.

When to use Retirement Savings Calculator

Retirement planning starts with a nest-egg projection from savings, contributions, and assumed returns. A quick model motivates contribution changes today.

Common use cases

See the impact of raising monthly contributions.
Project balances across different retirement ages.
Illustrate compounding for a spouse or partner discussion.
Stress-test lower assumed market returns.

Inputs and outputs

Currency amounts, contribution rates, return assumptions

Privacy

This tool runs entirely in your browser. Your data never leaves your device — nothing is uploaded to our servers.

Frequently asked questions

Are returns guaranteed?: No. Markets vary. The projection assumes a steady rate you choose for illustration.
Does it include inflation or Social Security?: This tool focuses on contribution and growth math unless those inputs are explicitly included.
Do you store financial details?: No. Calculations are local.

Retirement plan