Retirement Savings Calculator
Project your nest egg from contributions and returns.
How to use
- 1 Enter your current age and the age you plan to retire.
- 2 Add your current savings balance and your monthly contribution.
- 3 Set the average annual return you expect to earn.
- 4 Read the projected balance, total contributions and growth.
- 5 Copy the result to compare different scenarios.
About Retirement Savings Calculator
The Retirement Savings Calculator projects how large your nest egg could grow by the time you retire.
Tell it your current age, the age you plan to stop working, the amount you have saved today, how much you add each month and the average annual return you expect, and it compounds everything month by month to estimate your balance at retirement.
Under the hood it combines two figures: the future growth of your existing balance and the future value of your stream of monthly contributions, both compounded at your chosen rate.
The result breaks the total into three parts so you can see what is doing the heavy lifting: how much you actually contributed, how much investment growth was added on top, and the final projected balance.
Small changes are surprisingly powerful here.
Nudging the monthly contribution up, retiring a couple of years later, or earning one extra percent of return each year can move the final number dramatically thanks to compounding over decades.
Everything runs entirely in your browser, so none of your financial details are uploaded, logged or stored, and the calculator keeps working offline once the page has loaded.
Remember that it assumes a steady return and ignores taxes, fees and inflation, so treat the output as a planning guide rather than a guarantee or formal financial advice.
FAQ
Does this account for inflation and taxes?
No. The projection assumes a constant nominal return and excludes inflation, taxes and account fees, so the real spending power of the final figure will be lower.
How is the return compounded?
The annual return is divided by twelve and applied each month, matching how most regular-contribution retirement accounts grow.
Is my financial information sent anywhere?
No. Every calculation happens locally in your browser. Nothing you type is uploaded, logged or saved.