Finance calculator
Editor
Set your current savings picture, future contribution plan, and retirement income target in one place. The projection, income estimate, and yearly breakdown update instantly as you compare scenarios.
Start with your current situation, then review the savings, growth, and retirement-income assumptions that shape the estimate.
Current situation
Set your current age, expected retirement age, and the savings you already have invested for retirement.
Savings plan
Choose how much you plan to keep contributing and whether those contributions may increase over time.
Growth assumptions
These assumptions shape how much your savings may grow before retirement and how that future value compares with today's purchasing power.
Retirement goal
Estimate the annual income you want in retirement, any other expected income, and the withdrawal rate used to translate savings into income support.
This calculator provides an estimate, not a guarantee. Real retirement outcomes depend on market returns, inflation, contribution consistency, retirement spending, and the timing and reliability of other income sources.
Results
Projected retirement savings
$1,701,785
Estimated annual income supported by savings
$28,683.31
Estimated monthly income supported by savings
$2,390.28
Total contributions
$349,967
Total investment growth
$1,351,818
Estimated annual income gap
-$23,316.69
Inflation-adjusted projected balance
$717,083
| Age | Starting balance | Contributions | Growth | Ending balance |
|---|---|---|---|---|
| 31 | $50,000 | $6,000 | $3,811 | $59,811 |
| 32 | $59,811 | $6,120 | $4,524 | $70,455 |
| 33 | $70,455 | $6,242 | $5,297 | $81,995 |
| 34 | $81,995 | $6,367 | $6,136 | $94,497 |
| 35 | $94,497 | $6,495 | $7,044 | $108,036 |
| 36 | $108,036 | $6,624 | $8,027 | $122,687 |
| 37 | $122,687 | $6,757 | $9,090 | $138,534 |
| 38 | $138,534 | $6,892 | $10,240 | $155,666 |
| 39 | $155,666 | $7,030 | $11,483 | $174,179 |
| 40 | $174,179 | $7,171 | $12,826 | $194,176 |
| 41 | $194,176 | $7,314 | $14,276 | $215,766 |
| 42 | $215,766 | $7,460 | $15,842 | $239,068 |
| 43 | $239,068 | $7,609 | $17,531 | $264,209 |
| 44 | $264,209 | $7,762 | $19,354 | $291,324 |
| 45 | $291,324 | $7,917 | $21,319 | $320,560 |
| 46 | $320,560 | $8,075 | $23,437 | $352,072 |
| 47 | $352,072 | $8,237 | $25,721 | $386,030 |
| 48 | $386,030 | $8,401 | $28,181 | $422,612 |
| 49 | $422,612 | $8,569 | $30,831 | $462,013 |
| 50 | $462,013 | $8,741 | $33,685 | $504,439 |
| 51 | $504,439 | $8,916 | $36,758 | $550,112 |
| 52 | $550,112 | $9,094 | $40,065 | $599,271 |
| 53 | $599,271 | $9,276 | $43,625 | $652,172 |
| 54 | $652,172 | $9,461 | $47,455 | $709,088 |
| 55 | $709,088 | $9,651 | $51,576 | $770,315 |
| 56 | $770,315 | $9,844 | $56,008 | $836,167 |
| 57 | $836,167 | $10,041 | $60,775 | $906,982 |
| 58 | $906,982 | $10,241 | $65,901 | $983,124 |
| 59 | $983,124 | $10,446 | $71,412 | $1,064,982 |
| 60 | $1,064,982 | $10,655 | $77,336 | $1,152,974 |
| 61 | $1,152,974 | $10,868 | $83,704 | $1,247,546 |
| 62 | $1,247,546 | $11,086 | $90,548 | $1,349,179 |
| 63 | $1,349,179 | $11,307 | $97,902 | $1,458,389 |
| 64 | $1,458,389 | $11,533 | $105,804 | $1,575,726 |
| 65 | $1,575,726 | $11,764 | $114,294 | $1,701,785 |
How it works
A retirement calculator helps estimate how much you could have saved by retirement based on your current balance, future contributions, timeline, and assumed investment return. It can also translate that projected balance into an estimated level of retirement income.
The calculator starts with your current retirement savings, adds future contributions on the schedule you select, applies the annual return assumption over time, and increases contributions each year if you choose that option. The chart and yearly table are built from the same projection data as the summary cards.
Inflation reduces the future purchasing power of money, so this calculator also shows an inflation-adjusted balance in today's dollars. The withdrawal rate is then used as a planning shortcut to estimate how much annual income your savings may support in retirement.
The calculator compares the savings-supported retirement income estimate with your desired retirement income goal, then adds any other expected annual retirement income such as Social Security or a pension. Real-world results can vary based on returns, inflation, savings behavior, spending, and the reliability of other income sources.