Retirement Calculator - Savings Projection

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See where your retirement savings are heading with our Retirement Calculator. Enter your current age, target retirement age, existing savings, monthly contribution, and expected annual return — the tool projects your total at retirement using compound growth.

The math combines two growth engines: your current savings compounding over the years, and every monthly contribution compounding from the month it is made. Time in the market dominates: starting 10 years earlier can double the outcome even with identical contributions.

Choose a return assumption that matches your portfolio: about 7-10% for long-run stocks, 5-7% for a balanced mix, or 3-5% to stay conservative. The result is in future (nominal) dollars — for planning in today's purchasing power, subtract expected inflation from your return rate. Compare the projection against the classic 4% rule target (annual expenses × 25) to see whether you are on track.

Képlet
FV = P × (1+r)ⁿ + PMT × ((1+r)ⁿ − 1) ÷ r, with r = annual return ÷ 12 and n = months until retirement

Gyakran Ismételt Kérdések

How is retirement savings projected?
The calculator compounds your current savings and adds each monthly contribution with monthly compounding at your expected annual return — the standard future-value-of-annuity formula.
What annual return should I assume?
A long-run stock portfolio has averaged about 7-10% per year before inflation. Many planners use 5-7% for a balanced portfolio, or 3-5% to be conservative.
How much do I need to retire?
A common rule is the 4% rule: annual expenses × 25. If you expect $40,000 per year from savings, target roughly $1,000,000. Compare the projection here against that target.
Does this account for inflation?
No — the result is in nominal (future) dollars. Subtract expected inflation (~2-3%) from your return assumption to plan in today's purchasing power.

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