Retirement Calculator
Estimate how much you could have saved by the time you retire. Enter your current age, your target retirement age, the amount you have saved so far, how much you add each month and the annual return you expect, and the calculator projects your balance at retirement using monthly compounding. It shows the total you contribute over those years and how much of the final figure is investment growth. Seeing the projected nest egg helps you sanity-check whether your current savings rate is on track or whether you need to save more or work longer. Returns are assumed steady and inflation, taxes and fees are not modelled, so use it as a planning guide. All calculations happen locally in your browser.
How to use Retirement Calculator
- Enter your current savings.
- Enter your monthly contribution.
- Set your expected return and years to retirement.
- Read your estimated nest egg.
Frequently asked questions
How is my retirement nest egg estimated?
It compounds your current savings and monthly contributions at your expected return over the years remaining until retirement.
What return rate should I assume?
Enter a realistic long-term average for your mix of investments. A conservative figure gives a safer estimate than an optimistic one.
Does it account for inflation?
The core projection is in nominal terms. To see purchasing power, use a lower real return that already subtracts inflation.
What is Retirement Calculator?
Estimate how much you could have saved by the time you retire. Enter your current age, your target retirement age, the amount you have saved so far, how much you add each month and the annual return you expect, and the calculator projects your balance at retirement using monthly compounding.
Is Retirement Calculator free to use?
Yes. Retirement Calculator is completely free, with no sign-up and no usage limits.
Does Retirement Calculator work in a web browser?
Yes. Retirement Calculator runs in any modern web browser. There is nothing to download or install.
Is my data private with Retirement Calculator?
Yes. Retirement Calculator runs entirely on your device in your browser, so nothing you enter is uploaded to a server.
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