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Retirement Calculator

Project long-term retirement savings from your contributions, returns, and time horizon.

Your inputs

Everything runs in your browser. Nothing is sent anywhere.

Whole years.

Must be after current age.

$

Current retirement savings. Minimum 0.

$

Added every month until retirement.

%

An assumption, not a prediction. 0–100%.

Your projection

Projected at age 65
$772,315
30 years of monthly saving at 7% assumed return
Total you'd contribute
$200,000
Estimated growth
$572,315

Excludes taxes, fees, and inflation; assumes smooth returns. Educational estimate, not retirement advice.

Growth until retirement

$0$193.1K$386.2K$579.2K$772.3KStartYear 15Year 30
Total contributed (hatched)Estimated growth (solid)
Year 30

Contributed $200,000 · Projected value $772,315 · Growth $572,315

Year-by-year breakdown

Year-by-year breakdown generated from the same calculation as the headline result and chart. Values rounded for display.
YearContributed to dateEst. growthProjected value
1$26,000$1,642$27,642
2$32,000$3,837$35,837
3$38,000$6,624$44,624
4$44,000$10,046$54,046
5$50,000$14,149$64,149
6$56,000$18,983$74,983
7$62,000$24,599$86,599
8$68,000$31,056$99,056
9$74,000$38,413$112,413
10$80,000$46,736$126,736
11$86,000$56,094$142,094
12$92,000$66,562$158,562
13$98,000$78,221$176,221
14$104,000$91,156$195,156
15$110,000$105,460$215,460
16$116,000$121,232$237,232
17$122,000$138,578$260,578
18$128,000$157,611$285,611
19$134,000$178,454$312,454
20$140,000$201,238$341,238
21$146,000$226,103$372,103
22$152,000$253,198$405,198
23$158,000$282,686$440,686
24$164,000$314,740$478,740
25$170,000$349,544$519,544
26$176,000$387,298$563,298
27$182,000$428,216$610,216
28$188,000$472,524$660,524
29$194,000$520,470$714,470
30$200,000$572,315$772,315

How it works

Retirement saving is compound interest with a deadline: your current savings plus monthly deposits compounding monthly until retirement age. This calculator uses the same tested engine and conventions as the compound interest calculator — the math is shared, never duplicated — so the two tools always agree.

A worked example

Age 35 → 65, $20,000 saved, $500/month, 7% assumed return: a projected $772,315 from $200,000 contributed — meaning $572,315 of estimated growth. Generated by the same engine as the live calculator above.

Limits

  • Excludes taxes, fees, inflation, and market volatility.
  • No drawdown modeling — this projects the pile, not the income it sustains.
  • Not retirement advice or a guarantee of any outcome.

Frequently asked questions

How much do I need to retire?

Think in income, not piles: each $1,000 of monthly income you want for decades needs roughly $300,000 saved (before inflation and taxes complicate it). Use this calculator to project your pile, then compare it against the life you want.

Why does starting early matter so much?

Money invested 30 years before retirement compounds through 30 growth cycles; money invested 10 years before gets only 10. Try it: compare $200/month from age 25 against $500/month from age 40 — the early starter often wins despite contributing less.

What return should I assume?

Modest ones. The return is the most uncertain input and the most powerful — small differences widen enormously over decades. Model 4–5% as well as 7% and plan around the lower numbers.

Is this retirement advice?

No. It's an educational projection from your own assumptions — excluding taxes, fees, and inflation. For real decisions, consider a qualified professional. See the disclaimer.