Retirement Savings Calculator
Project how your retirement savings could grow with regular contributions and compound interest.
Future value
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Total contributions
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Total interest earned
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| Year | Contributions to date | Interest earned to date | Balance |
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How this retirement calculator works
Enter what you've already saved, how much you contribute each month (across 401(k), IRA, or any other retirement account), an expected annual return, and how many years until retirement. The calculator projects the future value using compound growth with monthly contributions — the same math behind most retirement projection tools.
The default 7% return is a commonly used long-run estimate for a diversified stock-heavy portfolio, but actual returns vary year to year and aren't guaranteed — try a lower rate for a more conservative projection. This tool doesn't account for inflation, taxes, employer matching, or fees, so treat the result as a rough long-range estimate, not a guarantee.