Retirement Calculator
Project your savings balance at retirement, split into what you put in and what growth adds.
Ages
Savings and return
Calculated in your browser as you type. Nothing is uploaded.
Inflation
Shows the projected balance in present-day value. It does not change the contributions or growth split.
Assumes a constant annual return and steady contributions with no withdrawals, taxes, or fees. Real returns vary.
| Age | Contributed to date | Growth to date | Balance |
|---|---|---|---|
| 31 | 31,000.00 | 2,003.54 | 33,003.54 |
| 32 | 37,000.00 | 4,585.67 | 41,585.67 |
| 33 | 43,000.00 | 7,788.19 | 50,788.19 |
| 34 | 49,000.00 | 11,655.97 | 60,655.97 |
| 35 | 55,000.00 | 16,237.08 | 71,237.08 |
| 36 | 61,000.00 | 21,583.11 | 82,583.11 |
| 37 | 67,000.00 | 27,749.34 | 94,749.34 |
| 38 | 73,000.00 | 34,795.07 | 107,795.07 |
| 39 | 79,000.00 | 42,783.88 | 121,783.88 |
| 40 | 85,000.00 | 51,783.94 | 136,783.94 |
| 41 | 91,000.00 | 61,868.35 | 152,868.35 |
| 42 | 97,000.00 | 73,115.51 | 170,115.51 |
| 43 | 103,000.00 | 85,609.47 | 188,609.47 |
| 44 | 109,000.00 | 99,440.35 | 208,440.35 |
| 45 | 115,000.00 | 114,704.82 | 229,704.82 |
| 46 | 121,000.00 | 131,506.49 | 252,506.49 |
| 47 | 127,000.00 | 149,956.50 | 276,956.50 |
| 48 | 133,000.00 | 170,174.00 | 303,174.00 |
| 49 | 139,000.00 | 192,286.76 | 331,286.76 |
| 50 | 145,000.00 | 216,431.80 | 361,431.80 |
| 51 | 151,000.00 | 242,756.03 | 393,756.03 |
| 52 | 157,000.00 | 271,416.98 | 428,416.98 |
| 53 | 163,000.00 | 302,583.57 | 465,583.57 |
| 54 | 169,000.00 | 336,436.93 | 505,436.93 |
| 55 | 175,000.00 | 373,171.30 | 548,171.30 |
| 56 | 181,000.00 | 412,994.94 | 593,994.94 |
| 57 | 187,000.00 | 456,131.18 | 643,131.18 |
| 58 | 193,000.00 | 502,819.47 | 695,819.47 |
| 59 | 199,000.00 | 553,316.61 | 752,316.61 |
| 60 | 205,000.00 | 607,897.93 | 812,897.93 |
| 61 | 211,000.00 | 666,858.68 | 877,858.68 |
| 62 | 217,000.00 | 730,515.45 | 947,515.45 |
| 63 | 223,000.00 | 799,207.71 | 1,022,207.71 |
| 64 | 229,000.00 | 873,299.49 | 1,102,299.49 |
| 65 | 235,000.00 | 953,181.10 | 1,188,181.10 |
How to calculate retirement savings
Enter your ages
Type your current age and the age you plan to retire; the years between them set the horizon.
Add your savings
Enter your current balance and how much you add each month toward retirement.
Set an expected return
Type the annual return you expect on the balance; it compounds monthly across the whole horizon.
Read the projection
The projected balance at retirement appears instantly, split into total contributed and investment growth.
Why use this tool
Contributions vs growth split
The projected balance is broken into the money you put in and the growth compounding added, so the effect of returns is never hidden inside one number.
Monthly compounding
Returns compound every month and each monthly contribution starts earning right away, which matches how most retirement accounts actually grow.
Inflation-adjusted view
Turn on inflation to see the projected balance in present-day value, so a large future number reads as what it would actually buy now.
Age-by-age growth table
A scrollable table shows the balance at every age from now to retirement, with contributions and growth tracked separately at each step.
Sensible age guards
Ages are held to a plausible range and the retirement age must come after your current age, so the horizon is never negative or absurd.
Runs entirely in your browser
Every figure is calculated on your device as you type. Nothing is uploaded, and there is no account to create.
About this tool
A retirement projection answers one question: given what you have saved, what you add each month, and a rate of return, how large is the balance likely to be by the time you stop working. This calculator applies compound growth month by month to your current balance and your ongoing contributions, then reports the projected balance at your retirement age, split into the total you contributed and the growth that compounding added on top.
Use it to compare plans rather than to predict a single future. Nudge the monthly contribution up by fifty and watch the growth portion respond, not just the balance, because early deposits spend the most years compounding. The five inputs are your current age, retirement age, current savings, monthly contribution, and expected annual return, and an age-by-age table shows how the balance builds along the way. For a lump sum growing over a fixed number of years, the compound interest calculator covers the same math from a different angle.
The projection assumes one constant return, unbroken monthly contributions, and no withdrawals, taxes, or fees, so treat it as a scenario tool rather than a forecast of any specific account. Real returns vary year to year and can be negative. Turn on the inflation option to discount the balance into present-day value, which is usually the more honest number to plan around. To sanity-check the return you are assuming against a real investment, the ROI calculator works backward from gains. Everything runs in your browser and nothing is uploaded.
Frequently asked questions
- How does the retirement calculator project my balance?
- It compounds your current balance monthly at the return you enter, and adds your monthly contribution each month so every deposit begins earning immediately. The result is the projected balance at your retirement age, split into what you contributed and what growth added.
- How are contributions and growth split?
- Total contributed is your starting balance plus every monthly contribution between now and retirement. Investment growth is the projected balance minus that total, which is everything compounding earned on top of the money you put in.
- What does the inflation option do?
- It adds a present-day value beneath the projected balance, discounting the future figure by the inflation rate you set so it reads as what it would buy now. The contributions and growth split stays in future money.
- Will my retirement savings actually grow like this?
- Not exactly. The projection assumes one constant annual return, steady contributions, and no withdrawals, taxes, or fees. Real returns vary and can be negative, so use the output to compare scenarios rather than as a promise about any account.
- Which currency does it use?
- None. The calculator works in plain numbers, so the result is in whatever currency you typed. Formatting adds thousands separators and two decimals but no symbol.
- Is my data uploaded anywhere?
- No. Everything runs in your browser; nothing is sent to a server.
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