How to plan your retirement savings
Enter your age now and the age you want to retire, your current balance, how much you contribute each month, and an expected annual return. The calculator compounds everything monthly until retirement and shows your projected balance, how much you contributed, and how much came from investment growth.
Start early, contribute consistently
Thanks to compounding, money invested in your 20s and 30s does far more work than money invested later. If your employer offers a 401(k) match, contributing enough to get the full match is effectively free money — include it in your monthly contribution.
Frequently asked questions
Should I include my employer match?
Yes. Add your employer's monthly match to your own contribution for a complete picture.
Does this account for inflation?
No. The figure is in future dollars. Use a lower "real" return (around 4-5%) if you want an inflation-adjusted estimate.
Is my data saved?
No. Everything runs in your browser.