Retirement Savings Calculator
A free, browser-based calculator. Runs entirely in your browser — no sign up, nothing stored.
100% FreeRuns in your browserBasic
Enter Values
Enter your values and press Calculate to see results.
How to use this calculator
- Enter your current savings, monthly contribution, expected return and years to retirement.
- 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
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.
Related tools
Tip: Enter any known values to calculate the remaining results.
All calculations run in your browser. Your inputs are never saved or transmitted.