Zerdly

Retirement Savings Calculator

Project how your retirement savings will grow over time and estimate your nest egg with this free retirement calculator in your browser.

100% FreeRuns in your browserBasic
How to use this calculator

Enter Values

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Enter your values and press Calculate to see results.

Before you rely on this: Estimates only — not financial, tax or legal advice. Confirm current rates, fees and rules before relying on these figures.

How to use this calculator

  1. Enter your current savings, monthly contribution, expected return and years to retirement.
  2. Read the projected balance and how much is growth vs contributions.

How it works

Your current balance compounds, and each monthly contribution compounds for the time it's invested (a future-value-of-an-annuity calculation).

Worked example

$50k + $500/mo at 7% for 30 years. Grows to roughly $980k, of which about $360k is contributions.

Common mistakes

  • Using an over-optimistic return — markets vary; a conservative figure is safer for planning.
  • Forgetting inflation — a big future number buys less than it sounds (pair with the inflation calculator).

Frequently asked questions

How much will my retirement savings grow to?

The tool compounds your balance and regular contributions at an assumed return over the years to retirement, showing the projected balance.

What return should I assume?

Use a conservative long-run estimate and test a few rates; small differences compound hugely over decades, so it's worth comparing scenarios rather than relying on one.

Does this include tax or fees?

No — it's a gross projection. Real returns are lower after fees and tax, so treat it as an estimate.

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Cite this tool

Zerdly. (2026). Retirement Savings Calculator. Retrieved from https://www.zerdly.com/tools/retirement-savings-calculator/

Tip: Enter any known values to calculate the remaining results.

All calculations run in your browser. Your inputs are never saved or transmitted.