Retirement Savings Calculator
Project your retirement balance with monthly contributions and expected returns.
Projected at age 65 (35 years)
$1.02M
Total contributions
$220,000
Investment growth
$795,589
Assumes constant monthly contributions and annual return. Inflation not adjusted.
How retirement savings are calculated
This calculator uses compound interest with monthly compounding. Your existing savings grow as a lump sum: FV = P × (1 + r)^n. Monthly contributions grow as an annuity: FV = PMT × ((1 + r)^n − 1) / r. The historical US stock market average return is roughly 7% after inflation. Related: compound interest calculator and ROI calculator.
Private & free — this tool runs entirely in your browser.
Related Calculators tools
Percentage Calculator
Solve percentage, increase, and change calculations.
Age Calculator
Calculate exact age in years, months, and days.
Unix Timestamp Converter
Convert Unix epoch timestamps to and from human dates.
Tip Calculator
Calculate tip and split the bill between people.
Aspect Ratio Calculator
Solve width or height for a target aspect ratio.
Kilometers to Miles
Convert kilometers into miles instantly.
Miles to Kilometers
Convert miles into kilometers instantly.
Temperature Converter
Convert between Celsius, Fahrenheit, and Kelvin.