How is the estimate calculated?

Your current savings and each monthly contribution grow at the expected annual return, compounded monthly, until your retirement age.

Are the returns guaranteed?

No. The calculator assumes a constant return for illustration. Real investment returns change over time and can be negative.

Does it account for inflation?

Not directly. To see how inflation affects future value, use the Inflation Calculator alongside this estimate.

Finance Calculators

Retirement Calculator

Estimate your retirement savings from current savings and contributions.

Free browser toolRuns in your browserNo sign-up

This is an estimate based on a constant return. Real returns vary and are not guaranteed.

Current ageRetirement ageCurrent savingsCurrencyMonthly contributionExpected annual return (%)Expected inflation (%)Used to translate the future balance into today's purchasing power.

Estimated retirement savings

$1,130,650.34

Years to retirement

$230,000.00

Total contributions

$900,650.34

Investment growth

$401,814.36

Value in today's money

Projected retirement balance

Money contributed $230,000.00Estimated growth $900,650.34

Contributions grow each month at the expected return until retirement. The growth is the estimated balance minus everything you contribute.

Retirement savings calculation

Current savings and monthly contributions compound until the planned retirement age. The estimate separates money contributed from projected growth.

Future balance = grown savings + future value of monthly contributions

Years: Retirement age minus current age
Return: Assumed annual investment growth

Worked example

$10,000 saved plus $500 monthly from age 30 to 65 at 7% grows to about $1.02 million under a constant-return model.

Practical tips

Account for inflation
A large future balance will buy less than the same amount today.
Stress-test the plan
Compare lower returns, higher contributions and different retirement ages.

About the Retirement Calculator

The Retirement Calculator estimates how much you could have saved by retirement, combining your current savings with regular monthly contributions.

It grows your balance each month at the expected annual return until your retirement age, then separates the total you contribute from the investment growth.

The result is an estimate based on a constant return. Real returns vary and are never guaranteed, and all calculations run in your browser.

Key features

Estimated retirement savings
Years to retirement
Separates contributions from growth
Inflation-adjusted value in today's money
Annual retirement projection with exports
Locale-aware currency formatting

How to use

1Enter your current age and planned retirement age.
2Enter your current savings and monthly contribution.
3Enter the expected annual return and choose a currency.
4Read the estimated savings, contributions and growth.
5Set an inflation assumption, then inspect or export the annual projection.

Examples

Thirty-five years of saving

Input: Age 30 to 65, USD 10,000 saved, USD 500 monthly, 7% return

Output: About USD 1,015,588.82 at retirement

USD 220,000 is contributed and about USD 795,588.82 is estimated growth; real returns are not guaranteed.

Frequently asked questions

How is the estimate calculated?: Your current savings and each monthly contribution grow at the expected annual return, compounded monthly, until your retirement age.
Are the returns guaranteed?: No. The calculator assumes a constant return for illustration. Real investment returns change over time and can be negative.
Does it account for inflation?: Not directly. To see how inflation affects future value, use the Inflation Calculator alongside this estimate.

Open a related tool to prepare your files or refine the finished result.