Retirement savings calculator How much could you have when you retire?
Project how your current retirement savings, personal contributions, employer contributions, and estimated investment growth could add up by retirement. Enter your contribution as a percentage of salary or a monthly amount, then adjust your retirement age, return, and inflation assumptions to compare the future balance with its estimated value in today's dollars.
Your retirement savings
How do you know your contribution?
Return and inflation assumptions
Your projected retirement savings
$225,000 of the projected balance comes from future contributions and $739,832 comes from estimated investment growth.
Explore retirement savings tradeoffs
See how monthly savings, retirement age, and return assumptions change this projection.
What does saving more each month change?
Compare five personal contribution amounts while your other inputs stay fixed.
Increasing your monthly contribution from $375 to $625 could add approximately $243,628 to your retirement balance, including $90,000 in additional contributions and $153,628 in estimated growth.
| Monthly contribution | Projected balance | Today's dollars | Difference |
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What does retiring earlier or later change?
Compare five retirement ages using the same savings, contributions, and return assumption.
Retiring later gives the scenario more time for contributions and estimated compound growth.
| Retirement age | Years to save | Future contributions | Projected balance | Difference |
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How much does the return assumption change the projection?
Compare a range of steady annual return assumptions. The selected rate is an input, not a prediction.
Small changes to a return assumption can create a large difference over a long projection. A higher result does not mean the higher return will occur.
| Return assumption | Projected balance | Today's dollars | Investment growth | Difference |
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Understand your retirement savings estimate
Learn what this projection can answer and how to use its assumptions.
Does this calculator tell me whether I’m on track for retirement?
Not by itself. It projects what the entered savings and contributions could become. Deciding whether that amount is enough also requires estimated retirement spending, Social Security, pensions, retirement length, and withdrawal assumptions.
Why are both future dollars and today’s dollars shown?
Future dollars estimate the account balance visible at retirement. Today's dollars adjust that amount for inflation to give a more familiar estimate of purchasing power.
Neither amount is guaranteed. Changing the inflation assumption changes the today's-dollar result.
What investment return should I use?
The return is an assumption. Actual returns vary from year to year, and small changes can substantially affect a long projection. Explore several assumptions instead of treating the default as a prediction.
Investment fees and taxes may reduce actual results when they are not included in the return entered here.
Retirement savings terms, explained
Get plain-language definitions for the inputs and results used in this projection.
Definitions of retirement savings terms
- Current retirement savings
- The amount already saved in the retirement accounts included in this projection.
- Annual salary
- The yearly pay used to translate a contribution percentage into a monthly dollar amount.
- Contribution rate
- The percentage of salary you plan to contribute from your own pay.
- Monthly contribution
- The amount you plan to add from your own money each month.
- Employer contribution
- The estimated amount your employer adds each month. It can be calculated from the entered match formula or entered directly.
- Employer match
- Money an employer adds based on your contribution and the rules of the retirement plan. Actual contributions may depend on plan rules and vesting.
- Investment return
- The steady annual growth assumption used for the projection. Actual returns change from year to year.
- Compound growth
- Growth earned on both the money contributed and earlier investment growth.
- Inflation
- The assumed annual increase in prices used to estimate future purchasing power.
- Future dollars
- The projected account balance shown in the dollars visible at retirement.
- Today's dollars
- The future balance adjusted for the entered inflation assumption to express estimated purchasing power in current dollars.
- Retirement age
- The age when contributions and projected growth stop in this estimate.
More money questions
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About this retirement savings estimate
Review what is modeled, what is excluded, and why actual results will differ.
What the projection includes
The estimate includes current savings, personal contributions, employer contributions, and compound growth through the selected retirement age. Contributions can be calculated from salary percentages and an employer match formula or entered as monthly dollar amounts.
How returns and inflation are modeled
Returns are modeled as a steady annual assumption even though actual investment returns fluctuate. Inflation is applied as a steady estimate to calculate today's dollars. Neither assumption is a guarantee.
What’s excluded
Taxes, investment fees, contribution limits, withdrawals, Social Security, pensions, and changes in contributions are excluded. Employer contributions may also be subject to plan rules and vesting.
Methodology, updated date, and disclaimer
The projection applies the entered annual return as an equivalent monthly rate, adds contributions monthly, and retains full precision before display rounding. Read the methodology.
Updated August 26, 2026. This estimate is educational and is not financial advice or a guarantee of future performance. See the full disclaimer.