Retirement Calculator

How to use the retirement calculator

Enter your current age and the retirement age you’re aiming for — the gap between them is how many years your money has to grow. Add your current savings, the monthly contribution you’ll keep adding, and the expected annual return on your investments. Set a retirement goal, and the large readout shows your projected balance at retirement, with the cells below comparing it to your goal and flagging any surplus or shortfall.

Watch the on-track banner as you adjust the inputs. Saving a little more each month, retiring a year or two later, or earning a slightly higher return can all close a shortfall — try each lever to see which moves the needle most. Use the export buttons to download the summary as CSV or Excel, print it to PDF, or copy a link that reopens the calculator with your exact numbers.

How it works and what the number means

The projection compounds your savings monthly. Your current balance grows at the monthly equivalent of your expected annual return, and each monthly contribution is added and starts earning from the moment it lands. The projected balance is the sum of your grown starting savings and the grown stream of contributions, so money invested earlier does far more of the work — that’s the power of starting young.

Real returns vary year to year, and inflation reduces what your future balance is actually worth, so a single fixed rate is a simplifying assumption. The figures are nominal and before taxes and fees. Treat the result as an educational way to compare retirement plans and test what-ifs rather than a guaranteed outcome — and revisit it as your savings, income, and goals change.