Calculator

Retirement Calculator

Project your retirement savings from your age, current savings, and monthly contributions.

Projected at age 65
$1,057,915
35 years of growth at 6% / year
You contribute
$277,000
Growth
$780,915
Educational and informational only — not financial, investment, or tax advice. Projections are hypothetical, shown in nominal terms before inflation and taxes, and actual results will differ.

How to use this calculator

Enter your current age, the age you plan to retire, what you have saved today, your monthly contribution, and an assumed annual return. The result projects your nest egg at retirement and splits it into what you contribute versus what compounding adds.

Ways to improve your projection

Starting earlier, contributing more, and keeping fees low all move the number meaningfully. Try increasing the monthly contribution or retiring a couple of years later to see the impact of compounding's final years, which are usually the largest.

Frequently asked questions

How much do I need to retire?

It depends on your spending, lifespan, and other income. A common rule of thumb is 25× your expected annual spending, but your number is personal — this tool projects what your contributions could grow to, not how much you specifically need.

What return should I use?

Returns are never guaranteed. People often model diversified portfolios with a long-run assumption, but actual results vary and you can lose money. Treat the output as an illustration, not a promise.

Does this account for inflation or taxes?

No — it shows nominal growth before inflation and taxes. Your real (inflation-adjusted) purchasing power and after-tax amount will be lower.

Track your real progress toward retirement — launch the app and set a retirement goal in the planner.