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Investing & Retirement

Retirement Calculator

Project your retirement savings from today to the age you want to stop working. See what your current balance and monthly contributions could grow into.

Your numbers

Adjust anything — the projection recalculates instantly in your browser.

%

Growing for 30 years.

Projected at retirement

Balance at age 65

$1,178,640

You put in $292,000 and earned $886,640 in growth.

Total contributions

$292,000

Interest / growth

$886,640

Final balance

$1,178,640

Assumes a constant average annual return, which real markets never deliver year to year. A projection, not a guarantee.

Are you on track?

Enter your age, when you'd like to retire, what you've saved so far, and what you add each month. The calculator projects your balance at retirement — and the chart shows how much of it comes from growth versus your own contributions.

Small increases, big results

Because retirement horizons are long, a modest bump in your monthly contribution can add hundreds of thousands by retirement. If your employer matches contributions, capturing the full match is the best return you'll find anywhere.

Example

At 35 with $40,000 saved, adding $700 a month at a 7% return grows to roughly $1.1 million by age 65 — with well over half of that total coming from compounding, not deposits.

Go deeper

Chasing an early exit? See the FIRE calculator. The single biggest lever on your timeline is your savings rate. And before you invest aggressively, make sure high-interest debt and an emergency fund are handled.

Related calculators

FIRE CalculatorWhen financial independence and early retirement become possible.Investment CalculatorProject the future value of an investment with regular contributions.Savings Rate CalculatorThe share of income you keep — the number that drives everything.Compound Interest CalculatorWatch a lump sum and monthly deposits snowball over the years.

Frequently asked questions

How much do I need to retire?
A common rule of thumb is 25 times your annual expenses, which supports roughly a 4% yearly withdrawal. If you expect to spend $50,000 a year, that’s about $1.25 million. Your number depends on your lifestyle, other income like Social Security, and how long you expect retirement to last.
What contribution rate should I aim for?
Many planners suggest saving 15% of gross income for retirement, including any employer match. Starting earlier lets you save a smaller percentage; starting later means saving more to catch up.
Does this include Social Security or a pension?
No — it projects only your own savings and contributions. Guaranteed income like Social Security or a pension reduces how much you need to save on your own, so treat this as your personal nest egg.
Should I use pre-tax or after-tax numbers?
Enter contributions the way you actually make them. A traditional 401(k) grows pre-tax and is taxed on withdrawal; a Roth is after-tax and grows tax-free. This tool projects the balance, not the tax treatment.