Retirement Calculator

Project your savings at retirement — and see how much of it is pure growth.

FREE TOOL · WORKS OFFLINE · NO SIGN-UP

Results update instantly as you type.

Projected savings at retirement
$0
Total you put in
$0
Growth from returns
$0
Years of saving
—

Projection only: it assumes a steady return every year and monthly contributions. Real markets move up and down, and this is not financial advice.

🏖️ How to Use This Retirement Calculator

  1. 1.Enter your current age and retirement age. The gap between them is your growth window — the single most powerful number on this page.
  2. 2.Add your current savings. Everything already saved or invested for retirement counts, wherever it sits.
  3. 3.Set your monthly contribution. The amount you add every month from now until retirement.
  4. 4.Pick an expected return. 7% is a common long-run planning assumption. Test 5% and 9% too, so you see a range instead of one fragile number.
  5. 5.Compare pocket versus growth. The stats split the projection into what you put in and what growth adds — late in a long career, growth usually does most of the work.

❓ FAQ

How does this retirement calculator work?

It grows your current savings plus a monthly contribution at your expected yearly return, compounded monthly, until your retirement age. For example, starting at 30 with $10,000 saved and adding $500 a month at a 7% return grows to roughly $1.02 million by age 65.

What return should I assume?

Long-run US stock market returns have averaged roughly 7% a year after inflation and about 10% before it, but past performance never guarantees future results. Many planners test a range — 5%, 7% and 9% — instead of betting on a single number.

How much difference does starting early make?

A huge one, because growth compounds. Money saved at 30 has about 35 years to grow before age 65, while the same money saved at 45 has only 20. Move the current age in the calculator and watch how sharply the projected total changes.

Is this retirement calculator free?

Yes — 100% free, no sign-up, no limits. Everything runs in your browser; none of your numbers are uploaded or saved.

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