Retirement Calculator

How much could you have by retirement? Enter your current age, retirement age, current savings, and how much you plan to contribute each month or year. We'll show your projected balance at retirement and growth over time.

Inputs

Retirement age must be greater than current age.

How often you add the contribution until retirement.

Assumed growth rate, compounded monthly.

Results

Years until retirement30
Projected balance at retirement$803,386.28
Total contributed by retirement$230,000
Growth expected$573,386.28

Balance until retirement

Growth of your current savings and contributions at the entered return. Nominal dollars.

How it works

Years until retirement = retirement age − current age. We use the same compound growth and annuity math as our other savings calculators: your balance grows each month by (annual return ÷ 12), then we add that period's contribution. Contributions are at the end of each period (month or year).

Total contributed by retirement = current savings + (contribution × number of periods). Growth expected = projected balance at retirement minus total contributed. If you set an inflation rate, we show your projected balance at retirement in today's dollars. The chart shows nominal dollars only.

For a generic time horizon (no ages), use the Compound Interest Calculator. For milestones like $100k or $1M, see the Millionaire Calculator.

FAQ

Are these calculators financial advice?
No. All tools are for educational and estimation purposes only. Always do your own research and consider consulting a financial advisor.
Do you store my data?
No. All calculations run in your browser. We do not collect or store your inputs.
What return should I use?
For long-term retirement savings, 4–7% is often used as a rough real return estimate. This is only an estimate; actual returns will vary. The calculator assumes the rate is constant over time.
How is this different from the Compound Interest Calculator?
The Compound Interest Calculator asks for a generic number of years and gives an ending balance. This calculator uses current age and retirement age to derive the horizon and frames the result as your "balance at retirement." Same math; different inputs and framing.
How is this different from the Millionaire or Savings Goal Calculator?
The Millionaire Calculator answers "when do I reach $100k, $1M?" with fixed milestones. The Savings Goal Calculator solves for how much to save to reach a target. This calculator projects your balance at a chosen retirement age given your contributions.

More calculators

Calculators are for education and estimation only. Not financial advice.