Retirement Savings Calculator

About this calculator

This calculator projects how a retirement fund could grow over a long time horizon by combining an existing balance, regular contributions, an assumed rate of return, and the number of years until retirement, applying compound growth throughout. Small differences in contribution amount or assumed return tend to produce surprisingly large differences in the final projected balance, precisely because the growth compounds over decades rather than months.

People in the early or middle stages of their careers use it to get a sense of whether current contributions, including any employer matching, are on pace to build an adequate nest egg by a target retirement age. It's also used to explore how increasing contributions or adjusting the retirement timeline changes the long-term outcome.