Retirement Calculator - Savings Projection

Results
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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.

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

Câu hỏi thường gặp

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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