Retirement Calculator
Project your retirement savings balance based on your current age, contributions, employer match, and expected returns.
Projected balance at age 65
$1,400,808.53
$293,000.00 contributed + $1,107,808.53 in growth over 35 years
Assumes steady contributions and a constant annual return, compounded monthly. Actual investment returns vary and are not guaranteed.
How the Retirement Calculator works
Enter your current age, target retirement age, current balance, and monthly contributions (including any employer match). The calculator projects your account balance forward using compound growth at your expected annual return, showing the split between what you contribute and what your investments earn.
Frequently asked questions
What return rate should I assume?
A diversified stock portfolio has historically averaged around 7–10% annually before inflation over long periods, though returns vary significantly year to year. Many planners use 6–7% as a conservative long-term estimate.
How do I factor in my employer's match?
Enter your employer's monthly match as a dollar amount in the "Employer match" field — it's added to your own contribution before projecting growth.
Does this account for inflation?
No — this shows the projected nominal (future) dollar balance. To estimate today's purchasing power, you may want to reduce the return rate by your assumed inflation rate.