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Retirement Calculator

A retirement calculator projects how big your nest egg will be when you retire, based on your age, current savings, monthly contribution, and the return you expect. It compounds your balance and contributions year by year so you can see how much comes from saving and how much from growth. Everything runs in your browser, with no signup.

Updated for 2026

Your plan

Drag a slider or type a value. Results update instantly.
years
years
$
$/ mo
% / yr
Projected at retirement
$0
Money you add Growth
Years to retirement
0
Total contributed
$0
Investment growth
$0
Current savings
$0

Year by year projection

This table shows the projected balance at the end of each year until retirement, split into the money you have added and the investment growth it has earned.

AgeYou addedGrowthBalance

How the projection is calculated

The balance is compounded monthly. Each month it grows at the return rate, then your contribution is added:

Nest egg = P(1 + i)n + PMT × [ (1 + i)n − 1 ] / i

where P is your current savings, i is the annual return divided by 12, and n is the number of months until retirement. Figures are in today's dollars before inflation and taxes.

Worked example (Stand: 2026)
  • Current age30
  • Retirement age65
  • Current savings (P)$25,000
  • Monthly contribution (PMT)$500
  • Annual return7 percent
  • Total contributed$235,000
  • Investment growth$953,181
  • Projected nest egg$1,188,181

Frequently asked questions

How much will I have saved by retirement?
It depends on your current savings, your monthly contribution, your return, and the years left. The projection grows both your balance and your contributions month by month to your retirement age. Enter your numbers above for an estimate.
What return rate should I use?
A common assumption is around 7 percent before inflation for a long horizon stock heavy portfolio, with lower figures as you shift to bonds near retirement. Returns are not guaranteed, so try a conservative and an optimistic rate.
Why does starting early matter so much?
Because of compounding. Money invested early earns returns for more years, and those returns earn returns too. Over decades the growth often dwarfs the contributions, so starting a few years earlier can add a large amount.
Does this calculator store my numbers?
No. Everything is calculated in your browser. Nothing you enter is sent to a server or saved.

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