Retirement Calculator

Use this free retirement calculator to project future savings, total contributions, estimated growth, and the gap to a retirement target.

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Formula steps Estimate limits shown Examples included Private history

Current savings ($)Monthly contribution ($)Estimated return (%)Years to growTarget amount ($)

Projected retirement savings$548,171.30

$25,000 plus $500.00/mo for 25 years

Total contributions: $175,000.00
Estimated growth: $373,171.30
Target gap: $451,828.70

This projection does not include taxes, fees, inflation, withdrawals, or market volatility.

Formula steps

Compound current savings using the estimated annual return.
Add monthly contributions at the end of each month.
Compare the projected balance with the target amount.

How to use the retirement calculator

Enter the requested dollar amounts, rates, terms, tax settings, or contribution details.
Use rates as percentages, such as 6.5 for 6.5%, and check whether a field asks for a monthly or annual amount.
Press the calculate button to see the answer, supporting metrics, and formula steps.
Use the result as a planning estimate only, then copy it if the assumptions look right.

Common uses

Project a retirement savings balance over time.

Compare contribution amounts and estimated returns.

Check the gap between projected balance and a target number.

Use a consistent planning estimate while adjusting assumptions.

Examples

Early saver $25,000 saved, $500/month, 7%, 25 years

Projected retirement balance

Catch-up view $80,000 saved, $900/month, 6%, 15 years

Target gap estimate

Return sensitivity 5%, 7%, and 9% return assumptions

Different future balances

Frequently asked questions

Quick answers about formulas, rates, payment assumptions, estimate limits, examples, and private in-browser history.

What can I use the Retirement Calculator for?

Use it for quick planning, comparison, and what-if estimates before you check exact numbers with a lender, tax professional, payroll provider, or financial adviser.

How does the Retirement Calculator calculate the result?

The calculator compounds current savings and monthly contributions at an estimated annual return, then compares the future value with your target amount.

Is this financial, tax, or legal advice?

This is a long-term projection, not retirement advice. It does not include taxes, account rules, contribution limits, market volatility, inflation, benefits, or withdrawal planning.

Are my finance inputs private?

Yes. The calculator runs in your browser tab. Recent answers stay only on the page while you use it and are not sent to a server.