Retirement Savings Calculator

Rough projection of how much you might accumulate by retirement from today’s balance, monthly savings, years invested, and a steady assumed return.

Long-term projections are uncertain: returns vary, life changes, and inflation erodes purchasing power. Treat the output as a planning illustration, not a forecast.

Projected balance$691,307
Total contributed$200,000
Estimated growth (FV − contributed)$491,307

Projected balance over time

0173k346k518k691k0510152025Years

Frequently Asked Questions

Your starting balance compounds monthly at the annual rate you enter, and each monthly contribution also compounds at the same monthly rate until the end of the period. This is a standard future-value-of-series model.
No. It does not model taxes, inflation, Social Security, pensions, or changing spending. Use it for rough “what if” savings scenarios only.
A constant nominal return for the whole period. Real portfolios fluctuate; a single average rate cannot capture sequence-of-returns risk or bear markets.

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