Retirement Savings Calculator
Estimate retirement savings using a current balance, monthly contributions, and an assumed annual return.
Enter your details
Your result
Projected retirement balance
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Total contributions
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Estimated investment growth
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Enter your assumptions to see a short result summary.
Retirement savings projection
See how current savings, monthly contributions, and estimated growth may change the balance over time.
| Year | Starting Balance | Contributions | Growth | Annual Change | Ending Balance |
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How it works
- Current retirement savings are treated as the starting balance.
- Monthly contributions are added at the end of each month.
- The annual return assumption is converted to a monthly rate for the projection.
- The model is an estimate and does not include taxes, investment fees, withdrawals, or inflation adjustments.
Monthly Rate = Annual Return / 12
Frequently asked questions
Does this calculator guarantee retirement returns?
No. Investment returns vary and the result is only an estimate based on the assumptions entered.
Are monthly contributions included?
Yes. Contributions are added monthly throughout the selected period.
Is inflation included?
No. Use the Inflation Calculator separately if you want to compare future nominal savings with purchasing power.
Disclaimer
This calculator provides an educational projection only. Investment returns are not guaranteed. Actual retirement outcomes may be affected by fees, taxes, inflation, withdrawals, contribution changes, market performance, and individual circumstances.