Retirement Savings Calculator

How to use this calculator

Enter current savings, monthly contribution, annual return assumption, and years until retirement. The calculator estimates a future nest egg and contribution total.

When this calculator is useful

• Retirement planning checkpoints
• Testing contribution increases
• Understanding compounding over long horizons

Important limitations

Retirement outcomes depend on inflation, taxes, fees, withdrawals, market sequence, and changing contribution rates.

For best results, run at least three cases: a conservative case, a middle case, and a stretch case. If a small change in inputs creates a big change in the answer, that is a sign the decision may be sensitive to rates, fees, timing, or market performance.