Retirement Calculator
Project your nest egg, in today’s and future dollars.
| Age | Year | Contributed | Balance |
|---|---|---|---|
| 31 | 1 | 26,000 | 27,642 |
| 32 | 2 | 32,000 | 35,837 |
| 33 | 3 | 38,000 | 44,624 |
| 34 | 4 | 44,000 | 54,046 |
| 35 | 5 | 50,000 | 64,149 |
| 36 | 6 | 56,000 | 74,983 |
| 37 | 7 | 62,000 | 86,599 |
| 38 | 8 | 68,000 | 99,056 |
| 39 | 9 | 74,000 | 112,413 |
| 40 | 10 | 80,000 | 126,736 |
| 41 | 11 | 86,000 | 142,094 |
| 42 | 12 | 92,000 | 158,562 |
| 43 | 13 | 98,000 | 176,221 |
| 44 | 14 | 104,000 | 195,156 |
| 45 | 15 | 110,000 | 215,460 |
| 46 | 16 | 116,000 | 237,232 |
| 47 | 17 | 122,000 | 260,578 |
| 48 | 18 | 128,000 | 285,611 |
| 49 | 19 | 134,000 | 312,454 |
| 50 | 20 | 140,000 | 341,238 |
| 51 | 21 | 146,000 | 372,103 |
| 52 | 22 | 152,000 | 405,198 |
| 53 | 23 | 158,000 | 440,686 |
| 54 | 24 | 164,000 | 478,740 |
| 55 | 25 | 170,000 | 519,544 |
| 56 | 26 | 176,000 | 563,298 |
| 57 | 27 | 182,000 | 610,216 |
| 58 | 28 | 188,000 | 660,524 |
| 59 | 29 | 194,000 | 714,470 |
| 60 | 30 | 200,000 | 772,315 |
| 61 | 31 | 206,000 | 834,342 |
| 62 | 32 | 212,000 | 900,853 |
| 63 | 33 | 218,000 | 972,173 |
| 64 | 34 | 224,000 | 1,048,647 |
| 65 | 35 | 230,000 | 1,130,650 |
Assumes a constant monthly-compounded return and contribution — real markets fluctuate year to year. Estimates only, not financial advice.
How to use the Retirement Calculator
- 1 Enter your current age and the age you plan to retire.
- 2 Enter your current savings and how much you contribute each month.
- 3 Set an expected annual return and, optionally, an average inflation rate.
- 4 See your projected nest egg — in future dollars and adjusted for inflation — plus a year-by-year growth table.
Examples
- ▸ Starting at 20,000 with 500/month at 7% return for 35 years grows to roughly 1.13 million in future dollars — about 230,000 contributed and 900,000 from growth.
Frequently asked questions
How does this calculator project my savings?
It compounds your current balance and monthly contributions at your expected annual return, applied monthly, for every year until your retirement age — the same approach used by most retirement projection tools.
Why does it show two different totals?
The "nest egg" figure is in future, nominal dollars — the actual account balance you would see on a statement. The inflation-adjusted figure converts that back into today’s purchasing power, which is more useful for judging whether it will actually be enough to live on.
What return rate should I use?
There is no guaranteed answer — a diversified stock-heavy portfolio has historically averaged roughly 7–10% annually before inflation over long periods, but returns vary a lot year to year and past performance doesn’t predict the future. Try a few scenarios (conservative, moderate, optimistic) rather than relying on a single number.
Does this account for Social Security, pensions or taxes?
No — it only projects the account you model here (savings plus contributions plus growth). For a full retirement plan you should also factor in Social Security or pension income, taxes on withdrawals, and healthcare costs.
Is this financial advice?
No. This tool gives a simplified estimate for planning purposes only, not personalized financial, tax or investment advice. Consider speaking with a qualified financial advisor for your specific situation.
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