Retirement Savings Calculator

Project your retirement savings free online from current savings, monthly contributions, expected return, and years until retirement. See your projected nest egg at retirement age.

Current Savings

Monthly Contribution

Years Until Retirement

Expected Annual Return (%)

Browser only -- nominal value, not inflation-adjusted.

How to Use This Tool

Enter current savings and monthly contributionYour starting point and ongoing contribution amount

Enter years remaining and expected returnUse a realistic, moderate return assumption

See your projected nest eggCombines lump-sum growth and contribution growth

Retirement Savings Calculator is a free online tool that works entirely in your browser — no signup, no data uploaded, no limits.

Two Growth Streams Combined Into One Projection

Retirement savings typically come from two distinct sources growing simultaneously: your existing savings compounding on their own, and new monthly contributions that each start compounding from the moment they're added. This calculator computes both separately using their respective formulas, then combines them for a complete projection.

Why the Return Rate Assumption Deserves Real Care

Small differences in assumed annual return compound into large differences over decades-long retirement horizons. A moderate, historically grounded assumption produces more trustworthy planning than an optimistic projection that risks leaving you under-prepared if actual returns fall short of an overly rosy assumption.

Nominal Value -- Remember to Adjust for Inflation Separately

This projects the nominal dollar amount at retirement, not its purchasing power today terms. A large nominal number decades from now represents meaningfully less real purchasing power after inflation, which is worth checking separately using an inflation calculator for a more complete planning picture.

Frequently Asked Questions

It calculates two components separately: the future value of your current savings compounding alone, plus the future value of an annuity for your regular monthly contributions, then adds them together for the total projected amount.

Over decades, even small differences in assumed annual return compound into dramatically different outcomes -- a 1-2% difference in assumed return can mean a substantially different final number over a 20-30 year horizon, which is why the rate assumption deserves careful, realistic consideration.

Using a moderate, historically grounded assumption rather than an optimistic best-case scenario produces more reliable planning, since overestimating returns risks under-saving relative to your actual eventual needs.

No, this projects nominal future value. For a more realistic picture of purchasing power, consider running the projected final amount through an inflation calculator to see its equivalent value today purchasing power terms.

This calculator assumes a constant monthly contribution throughout the projection period. Modeling increasing contributions over time would require recalculating with updated contribution amounts at different future points, or using a more sophisticated tool designed for that purpose.