Retirement Calculator
Project your retirement nest egg from your current age, savings, monthly contributions and an expected annual return.
🔒 Runs entirely in your browser — nothing is uploadedHow the projection works
Your nest egg comes from two sources that both compound over time: the savings you already have and the contributions you keep adding. This calculator compounds monthly. The number of months until retirement is (retirement age − current age) × 12. Each month the balance grows by the monthly rate — annual return ÷ 12 ÷ 100 — and then your contribution is added. In closed form, the result is the future value of your current savings, S × (1 + r)n, plus the future value of a monthly contribution series, C × ((1 + r)n − 1) ÷ r, where S is current savings, C the monthly contribution, r the monthly rate and n the number of months. The longer the horizon, the more compounding dominates, which is why starting early matters so much.
Reading the three numbers
The projected nest egg is the estimated balance on your retirement date. Total contributed is your current savings plus every monthly contribution you will make — the money that came out of your own pocket. Growth earned is the difference, the part the market did for you. Over a long career the growth figure often dwarfs contributions, which illustrates the power of compound returns. Try nudging the contribution up by a small amount, or the retirement age out by a few years, and watch how strongly the nest egg responds; both extra time and extra deposits are multiplied by the compounding factor.
Assumptions and limits
This is a simplified planning estimate, not a guarantee. It assumes a steady return every month, but real markets rise and fall, so two portfolios with the same average can end very differently. The rate you enter is nominal; to think in today's dollars, subtract your inflation expectation to get a "real" return. The model does not include taxes, fees, employer matches beyond what you add, Social Security, pensions or withdrawals after retirement. Everything is computed locally in your browser with no account or live data, so update the inputs regularly and confirm a full plan with a qualified financial advisor.
How to use
- Enter your agesType your current age and the age you plan to retire.
- Add savings and contributionsEnter what you have saved now and how much you add each month.
- Set a returnChoose an expected annual return, then read your projected nest egg at retirement.