Retirement Savings Projection Calculator

Knowing roughly where your current savings rate is headed is one of the most useful things you can check periodically — it turns a vague goal ("save for retirement") into a concrete number you can compare against your actual needs. Small changes made early, like increasing contributions by a percent or two, compound significantly over a multi-decade time horizon.

This calculator projects your account balance forward using compound growth, so you can see not just the ending number but how much of it comes from your own contributions, your employer's match, and investment growth itself.

Enter your current age, target retirement age, current balance, annual contribution, expected annual return, and any employer match. The calculator compounds your contributions and balance monthly across every year until retirement, then breaks the final balance down into personal contributions, employer contributions, and investment growth so you can see what's actually driving your result.