Retirement Savings Calculator

Estimate how your current savings, monthly contributions, employer match, and investment growth could build over time.

How it works: Enter your current age, target retirement age, current retirement balance, and planned contributions. The calculator estimates your future balance and a possible monthly retirement income.

Enter Your Retirement Plan

Current age

Retirement age

Current retirement savings

Your monthly contribution

Employer Match

Gross monthly salary Used only to estimate employer matching contributions.

Employer match (%)

Growth and Retirement Assumptions

Estimated annual return (%)

Estimated inflation (%)

Retirement withdrawal rate (%)

Optional retirement goal

Your Estimated Results

Enter your retirement information and select Calculate My Retirement Savings.

Estimated balance at retirement $0.00

Years until retirement0

Total personal contributions$0.00

Total employer contributions$0.00

Estimated investment growth$0.00

Future value in today’s dollars$0.00

Possible Retirement Income

Estimated annual income$0.00

Estimated monthly income$0.00

Contribution Breakdown

Your monthly contribution$0.00

Estimated employer match monthly$0.00

Total monthly contribution$0.00

This projection assumes consistent monthly contributions and a steady average return. Actual investment returns and inflation will vary.

Retirement Savings Tip

Increasing your contribution by even a small amount can have a large long-term effect because each additional contribution has more time to grow. Review your contribution whenever your income increases.

Ways to Strengthen the Projection

Capture the Full Match

An employer match is part of your compensation. Contributing enough to receive it can materially change long-term results.

Increase Contributions Gradually

Small automatic increases after raises can grow savings without requiring a dramatic budget change.

Revisit Assumptions

Returns, inflation, and retirement needs change. Review the projection at least once a year.

Retirement Planning Questions

Is the projected return guaranteed?

No. Investment returns fluctuate, and the calculator uses the average rate you enter.

What does “today’s dollars” mean?

It adjusts the future balance for estimated inflation to show approximate future purchasing power.

Disclaimer: This calculator provides estimates for educational purposes only. It does not guarantee investment performance or retirement income and is not financial, tax, legal, or investment advice.