FINANCE TOOL
Retirement Savings Calculator
Project your retirement savings based on contributions and growth rate.
7% is a commonly used long-term average for a diversified stock portfolio, before inflation.
Projected balance at retirement
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Hover the chart to read the projected balance at a given age. The dashed line is total contributed (no growth); the gap to the solid line is investment growth.
About this tool
Project what your retirement savings could grow to, based on your current balance, ongoing monthly contributions (plus any employer match), years until retirement, and an assumed average annual return.
This is a simplified projection assuming a constant contribution and steady average return — real markets fluctuate year to year, and this doesn't account for inflation, fees, or changes in your contribution amount over time. It's a planning estimate, not a guarantee.
Frequently asked questions
- Does this account for inflation?
- No — the projected balance is in today's dollars terms only if your return rate assumption is already inflation-adjusted (a "real" return). Using a nominal return (like historical stock market averages around 7-10%) will overstate future purchasing power somewhat.
- What counts as a realistic return rate?
- Long-term historical stock market averages are often cited around 7-10% before inflation, but future returns aren't guaranteed and vary by what you're actually invested in — this is an assumption you're providing, not a prediction.
- Should I include employer match separately?
- Yes — enter your own contribution and any employer match as separate monthly amounts, so the total contribution accurately reflects both sources going into the account each month.