Retirement Savings Calculator
Explore hypothetical outcomes by adjusting your age, savings, contributions, and assumptions. Results are illustrations, not forecasts.
Run your own scenario.
All values are in US dollars for illustration. The tool applies a constant nominal annual return monthly and makes contributions at the end of each month.
Based on your assumptions.
*Starting savings plus future monthly deposits, before gains or losses. Figures do not deduct fees, taxes, or withdrawals. Actual returns vary and can be negative. This tool does not calculate retirement income needs or guarantee savings.
How to interpret the result
The projected future value shows what your balance might become under a constant rate of return. The inflation-adjusted number expresses that future amount in approximate current purchasing power based on the selected inflation assumption.
The model is intentionally simplified: it does not account for changing contribution levels, employer matches, tax rules, investment fees, volatile markets, or withdrawals. Always compare several scenarios rather than relying on a single number.