Retirement Savings Projection Calculator
Estimate your retirement savings based on current contributions and expected returns
Your Information
Historical stock market average is around 7-10%
Ready to Calculate?
Enter your information on the left and click "Calculate" to see your retirement projection.
Disclaimer: This calculator provides estimates based on the information you provide. Actual results may vary due to market conditions, inflation, and other factors. Consult with a financial advisor for personalized retirement planning advice.
Understanding Retirement Savings Projections
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.
How This Calculator Works
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.