finance calculator
Plan retirement savings, income targets, and contribution needs.
Return when your contribution amount, retirement age, savings, or return assumption changes.
Projected retirement savings
$2,376,362
Formula
Retirement savings = current savings compounded monthly + monthly contributions compounded until retirementThe calculator projects retirement savings using current savings, ongoing contributions, and assumed annual return.
Step by step
Example
A 30-year-old with $50,000 saved, contributing $1,000 per month until age 65 at a 7% annual return, is projected to reach about $2.1M.
Related guides
Guide
Plan your retirement savings with age-based benchmarks. See how much to save in your 20s, 30s, 40s, 50s, and 60s to reach your retirement goals.
Guide
Compare 401k and IRA accounts, understand contribution limits, tax advantages, investment choices, and how to combine both for maximum retirement savings.
Guide
Compare tax-advantaged accounts including 401k, traditional IRA, Roth IRA, HSA, and 529 plans. Learn contribution limits, tax benefits, and withdrawal rules.
Summary
Retirement savings
$2,376,362
Projected balance at retirement age.
Contributions
$470,000
Current savings plus future contributions.
Investment gains
$1,906,362
Projected growth above contributions.
Years remaining
35 years
420 contribution months.
D3 visualization
Separate saved dollars from projected market growth by retirement age.
D3 visualization
A sampled projection shows savings growth from current age to retirement age.
Guide
The retirement calculator projects how current savings and monthly contributions may grow by retirement age. It shows the projected retirement balance, total contributions, investment gains, and years remaining.
It is designed for quick scenario planning rather than a complete retirement income model. Use it to compare contribution levels, retirement ages, and return assumptions.
Enter current age, retirement age, current savings, monthly contribution, and expected annual return. Review the projected retirement balance and the split between money contributed and investment gains.
Run multiple scenarios. Small changes in contribution or retirement age can have a large effect because they change both the amount invested and the time available for compounding.
The calculator compounds existing savings monthly and adds the monthly contribution until the retirement age is reached. Investment gains equal projected savings minus total contributions.
The result does not include taxes, inflation, future contribution increases, employer matches, withdrawals, or market volatility.
Retirement age
The age at which contributions stop in this projection.
Investment gains
Projected growth above the money contributed.
Savings rate
The amount consistently set aside for future retirement.
No. Values are shown in nominal dollars. Use a lower return assumption to approximate inflation-adjusted planning.
Add the estimated match to your monthly contribution for a simple approximation.
It changes the number of contribution months and the time available for compound growth.