Retirement Savings Calculator
Project your nest egg at retirement from what you have, what you add each month (including employer match) and an assumed growth rate.
How it works
FV = Current·(1+r/n)^(nt) + Monthly·[ ((1+r/n)^(nt) − 1) / (r/n) ] × (1+r/n)
- Employer match is free money — include it in your monthly contribution; it can add six figures over a career.
- The last decade of compounding usually adds the biggest dollar amounts, which is why starting early matters more than contributing more.
- This projects nominal dollars. Run the result through the Inflation Calculator to see it in today's purchasing power.
FAQ
What return rate should I assume? A diversified portfolio historically returned 7–8% nominal. Conservative planning uses 5–6%.
Does this include Social Security or a pension? No — this is only your own investments. Add expected pension income separately in your planning.
How much do I actually need? A common starting rule is 25× your expected annual spending (the '4% rule'), but personal circumstances vary a lot.