Retirement Calculator
See how many years remain until your target retirement age, and project how your savings could grow by then with regular contributions and compound growth.
35 years until retirement
$1,130,650
Projected savings at retirement
$230,000
Total Contributed
$900,650
Investment Growth
Recommended Settings
Pro Tips
- •This uses compound growth applied monthly, with your monthly contribution added at the end of each month
- •A 7% annual return is a commonly used long-term average for a diversified stock portfolio, though actual returns vary year to year
- •Small changes in your assumed annual return make a big difference over long time horizons - try adjusting it to see the range of realistic outcomes
- •This is a projection based on constant assumptions, not a guarantee - real markets fluctuate and contributions often change over time
Most Popular
Most users start with a 7% expected annual return, a common long-term historical average for diversified index funds
When to Use This Tool
Get a rough sense of how many years remain and what your savings could grow to by retirement.
See whether your current contribution rate is on track to reach a target amount.
Test how increasing your monthly contribution changes your projected outcome.
Visualize how investment growth compounds over a long time horizon.
How It Works
Calculate the number of years and months remaining until your target retirement age
Apply your expected monthly rate of return to your growing balance each month, adding your monthly contribution after growth
Project the final balance at retirement, along with how much came from contributions versus investment growth
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Frequently Asked Questions
Is this financial advice?
No, this is an educational projection tool based on the numbers and assumptions you enter - it isn't personalized financial advice. Consider consulting a licensed financial advisor for retirement planning decisions.
How is the projection calculated?
It applies your expected monthly rate of return to your growing balance each month, then adds your monthly contribution - a standard compound growth model.
Does this account for inflation?
No, the result is shown in today's dollar terms without adjusting for inflation - real purchasing power at retirement will be lower than the raw projected number suggests.
Is my data sent to a server?
No. All calculation happens entirely in your browser.
What return rate should I use?
There's no single right answer - many long-term projections use somewhere between 5-8% for a diversified stock-heavy portfolio, but you should use an assumption you're comfortable with given your own risk tolerance and investment mix.