Retirement Calculator
Project your retirement savings
$
$
Historical S&P 500 average ≈ 7% inflation-adjusted, 10% nominal
Projected Balance
$
Total Contributions
$
Investment Growth
$
Year-by-year projection
| Age | Year | Balance | Annual Contribution |
|---|
How it works
Enter your current savings, monthly contribution amount, expected annual return rate, and years until retirement. The calculator projects how much you'll have saved by showing your year-by-year growth.
Important notes
- • These are projections only. Actual returns vary with market performance
- • Inflation and taxes are not factored in
- • Results assume consistent monthly contributions and steady return rates
The formula
FV = PV × (1+r)ⁿ + PMT × 12 × [(1+r)ⁿ - 1] / r
- FV = future value (total at retirement)
- PV = present value (current savings)
- PMT = monthly contribution
- r = annual return rate (as decimal)
- n = years until retirement