Retirement Calculator
Estimate how much you will have saved by the time you retire.
Enter values above to see results
How to use this calculator
Enter your assumptions above and review how projected outcomes change as you adjust contribution amount, rate of return, timeline, or withdrawal values. Testing conservative, moderate, and optimistic scenarios can help you understand a realistic range of possible results.
Start by using realistic estimates based on your personal situation. If unsure about expected returns, use historical average returns but recognize that past performance does not guarantee future results. You can experiment with different assumptions by changing one variable at a time and observing how each factor affects your outcome. This helps build intuition for how contributions, time horizon, and rate of return interact.
Assumptions and limitations
Calculator outputs are educational projections, not guarantees. Real outcomes can differ due to market volatility, inflation, taxes, fees, and personal circumstances. Use these estimates as planning support and combine them with broader research before making financial decisions.
This calculator assumes consistent investment behavior, reinvested returns, and doesn't account for withdrawals beyond those specified or emergency changes to your plan. For a personalized financial plan, consult with a qualified financial advisor who can review your complete situation. Our goal is educational—to help you understand the mechanics of compound growth and the impact of key variables on long-term wealth building.
Take the Next Step
Use our free calculators to plan your investments and see potential returns.
How Much Do You Need to Retire?
Retirement planning is one of the most important financial decisions you’ll make. This calculator helps you estimate your total retirement savings based on your current situation.
How to Use This Calculator
Enter your current age, target retirement age, current savings, monthly contribution, and expected annual return. The calculator instantly shows your projected retirement savings.
The Power of Starting Early
A 25-year-old investing $500/month at 7% return will have approximately $1.2 million by age 65.
A 35-year-old with the same plan will have approximately $567,000.
That 10-year head start nearly doubles the result — thanks to Compound Interest? The Ultimate Guide with Examples">Compound Interest Calculator">compound interest.
How Much Should You Save for Retirement?
A common guideline is the 15% rule — save at least 15% of your pre-tax income for retirement. However, the right amount depends on:
Your desired retirement lifestyle
Expected Social Security benefits
Other income sources (rental income, pensions)
Healthcare costs