Retirement Calculator
Estimate how much your retirement savings could grow to by retirement age.
Retirement Savings Calculator
Your Result
How This Estimate Is Calculated
This calculator projects your current retirement savings plus monthly contributions forward, compounding monthly at your expected annual rate of return, until your target retirement age. It's a simplified model — real markets fluctuate year to year rather than growing smoothly.
A commonly cited long-term average for a diversified stock portfolio is around 7% annually after inflation, but actual returns vary and are never guaranteed.
Frequently Asked Questions
Does this account for inflation?
If you use an inflation-adjusted (real) rate of return, like 7%, the result is roughly in today's purchasing power. If you use a nominal rate, the future value will be in future, inflated dollars.
Does this include employer matching contributions?
No, add any employer match to your monthly contribution figure manually to include it.
Is 7% a realistic return to expect?
It's a commonly used long-term historical average for diversified stock investments, but returns are never guaranteed and vary significantly year to year.