Retirement Calculator
Estimate how much you may have at retirement based on current savings, monthly contributions, and an expected return rate.
Retirement Calculator tool
If provided, we also show the inflation-adjusted value (today’s purchasing power).
Informational only. Returns are not guaranteed and actual outcomes can differ significantly.
This calculator projects your retirement balance using monthly compounding: each month the balance grows by the monthly return, then your monthly contribution is added.
The expected annual return is converted to a monthly rate (annual ÷ 12) for a simple projection. If you enter inflation, we discount the projected balance back into today’s dollars using a constant annual inflation rate.
This tool does not include taxes, fees, employer match, or changes in contribution level over time. Use it as a planning estimate, not a guarantee.
Examples
- Age 30 → 65, $25,000 now, $500/mo, 6% return → projected retirement balance
- Add 2.5% inflation → see the same balance in today’s purchasing power
- Set monthly contribution to 0 → growth-only projection
FAQ
- Is this retirement estimate accurate?
It’s a simplified projection using constant monthly compounding, constant contributions, and a constant annual return. Real-world returns can vary.
- What does the inflation option do?
Inflation adjustment converts the future balance into today’s purchasing power using a constant annual inflation rate you enter.
- Does this include taxes or employer match?
No. Taxes, account rules, and employer matching can materially change outcomes. Add employer match into your monthly contribution if you want a rough estimate.
- Why can results differ from other calculators?
Different tools may assume different compounding frequency, contribution timing, fees, or return models.
- Are returns guaranteed?
No. This tool is informational only and does not predict market performance.