Retirement Projection
See your future, then build it
Compound interest is the most powerful force in personal finance — and it favors those who start early. This calculator projects your savings over the decades, factoring in your current balance, monthly contributions, expected returns, and the years until retirement. Adjust any variable and watch the curve shift in real time.
Three truths about retirement savings
The math is simple. The discipline is hard.
Start early, contribute less
Starting at 25 vs 35 with the same monthly contribution can double your retirement savings. A 10-year head start is worth more than doubling contributions later.
The 4% rule
A common retirement withdrawal guideline: you can withdraw 4% of your portfolio annually without depleting principal. At $1M saved, that's $40K/year in retirement income.
Employer match is free money
If your employer matches 50% of contributions up to 6% of salary, that's an instant 50% return before any market gains. Never leave matching money on the table.
Retirement Strategy
Savings at Retirement
Total Contributions
Investment Gains
Years to Retire
Wealth Insights
Your investments are projected to grow by 78.8% through compound interest. Every $100 you add monthly now results in $1,151 more at retirement.
Inflation Note
While $2,099,215 looks like a lot today, inflation will reduce its purchasing power. At a 3% inflation rate, this amount would be equivalent to approximately $746,026 in today's dollars.
Savings at Retirement
Total Contributions
Investment Gains
Years to Retire
Wealth Insights
Your investments are projected to grow by 78.8% through compound interest. Every $100 you add monthly now results in $1,151 more at retirement.
Inflation Note
While $2,099,215 looks like a lot today, inflation will reduce its purchasing power. At a 3% inflation rate, this amount would be equivalent to approximately $746,026 in today's dollars.
A healthy retirement target: 25× your annual expenses. If you spend $50K/year now, aim for $1.25M saved. Use the calculator to see if your current contribution rate gets you there. If not, increase your monthly contribution by even $200— over 30 years at 7%, that's an extra $245K.
Your future self will thank you
Enter your age, savings, and monthly contribution. Watch compound growth do the heavy lifting.