Financial

Retirement Calculator

Project retirement savings based on contributions and growth.

Inputs

Adjust the assumptions to match your scenario. Results update instantly.

Current savingsAmount already saved for retirement.Monthly contributionAmount added each month toward retirement.Annual returnExpected annual investment return rate.Years to retirementNumber of years until planned retirement.

Results

Primary outputs and comparison insights are built from the current inputs.

Retirement savings

$691,306.76

Projected total at retirement.

Total contributions

$200,000.00

Sum of current savings and all monthly deposits.

Investment growth

$491,306.76

Earnings from compounding returns.

How this calculator works

The Retirement Calculator projects how your savings will grow through regular contributions and compounding returns over time. Enter current savings, monthly contribution, and annual return to estimate retirement savings, total contributions, and investment growth. The calculator updates instantly and adds a comparison table plus chart so you can test the sensitivity of the result before you use it in a decision.

Quick guide

Jump straight to the section you need, then return to the calculator.

Inputs Outputs Assumptions Tips Formulas Examples Reference table Visual breakdown References

Inputs

Amount already saved for retirement.
Amount added each month toward retirement.
Expected annual investment return rate.
Number of years until planned retirement.

Outputs

Projected total at retirement.
Sum of current savings and all monthly deposits.
Earnings from compounding returns.

Assumptions

Constant monthly contribution and annual return.
No withdrawals or tax effects modeled.

Tips

Start early to maximize compound growth.
Increase contributions with each raise.

Formula guide

Use these formulas to audit the output or explain it to someone else.

1 formulas

FV = PV(1+r)^n + PMT×((1+r)^n−1)/r

Usage examples

Review a ready-made scenario, copy it, then tweak inputs to match your case.

Example

4 inputs3 outputs

Mid-career projection

Inputs

Example input Current savings: $80,000.00
Example input Monthly contribution: $800.00
Example input Annual return: 7%
Example input Years to retirement: 20

Outputs

Example result Retirement savings: $739,840.44
Example result Total contributions: $272,000.00
Example result Investment growth: $467,840.44

Compounding accelerates in later years, so patience is rewarded.

Savings by return rate

5 of 5 rows

Annual return	Retirement savings	Investment growth
4%	$392,753.03	$192,753.03
6%	$569,745.47	$369,745.47
7%	$691,306.76	$491,306.76
8%	$842,522.00	$642,522.00
10%	$1,266,263.95	$1,066,263.95

Return rates vary with asset allocation; use conservative estimates for planning.

Retirement projection

Highest: 10% ($1,266,263.95)Lowest: 4% ($392,753.03)

Sort

Annual returnRetirement savings

Focus point

$392,753.03

Position

#1 of 5

Original order

Share of total

10.44%

Total: $3,762,591.21

PositiveNegative

Return rates vary with asset allocation; use conservative estimates for planning.

References

Future value of annuity formula
Retirement planning projection models

FAQ

Common questions

What does the Retirement Calculator do?

What inputs do I need?

Typical inputs include Amount already saved for retirement., Amount added each month toward retirement., Expected annual investment return rate..

How are the results calculated?

We follow the formulas and assumptions outlined in the "How this calculator works" section. You will see outputs like Projected total at retirement., Sum of current savings and all monthly deposits., Earnings from compounding returns..