Retirement Calculator
Estimate future retirement savings from contributions, rate and time.
Results are estimates and may differ from actual tax, payroll, accounting or investment outcomes.
Retirement savings calculator
Model a simple retirement-savings scenario by changing contributions, expected growth and years. The result is an estimate, not a guarantee of investment performance.
How it works
Frequently asked questions
What does the calculator estimate?
It estimates a future account value based on the assumptions you enter, such as contributions, time and an assumed rate of return.
Does it predict investment returns?
No. It applies a mathematical assumption. Actual returns can vary and may be negative.
Should inflation be considered?
Yes. A future nominal balance may have less purchasing power after inflation, so retirement planning often considers both growth and inflation.
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How this retirement estimate works
This calculator provides a planning estimate using your current savings, regular contributions, expected return, time until retirement, and an optional retirement target. It is designed to help you understand how changes in savings rate and time can affect a long-term projection.
Long-term results are sensitive to the assumptions you enter. A higher expected return can produce a larger projected balance, but investment returns are not guaranteed and actual results can be much higher or lower. Inflation, taxes, fees, changing contributions, and withdrawals can also materially change the amount available in retirement.
How to use it
Enter a realistic current balance and contribution amount, choose the period until retirement, and use a conservative return assumption appropriate to your planning scenario. Compare several scenarios rather than relying on a single number. If your employer provides a retirement match, include it in your contribution estimate where appropriate.
Planning example
Someone who starts saving earlier may reach a similar target with smaller periodic contributions because earlier contributions have more time to compound. Increasing contributions gradually can also make a meaningful difference without requiring a large immediate change.
Important limitation
This is an educational projection, not personalized financial advice or a guarantee of future investment performance. Review assumptions regularly and consider taxes, inflation, fees and your actual investment options when making decisions.