Retirement savings calculator
Project how much your retirement account could hold by the age you plan to retire. It shows the result in future dollars and in today's dollars after inflation.
- Runs in your browser
- Free, no account needed
- Copy or download the result
Result
Example
Current age: 35 Retirement age: 65 Current retirement savings: 50000 Monthly contribution: 500 Employer match: 50 Expected annual return: 6 Annual contribution increase: 2 Inflation rate: 2.5
Balance at age 65: $1,195,977.81 In today's dollars: $570,173.67 Years of saving: 30 Starting balance: $50,000.00 Your contributions: $243,408.48 Employer match: $121,704.24 Investment growth: $780,865.10 Age Monthly contribution Balance Today's dollars --- -------------------- ------------- --------------- 36 $500.00 $62,244.90 $60,726.73 37 $510.00 $75,409.38 $71,775.74 38 $520.20 $89,552.34 $83,158.25 39 $530.60 $104,736.24 $94,885.86 40 $541.22 $121,027.38 $106,970.57 41 $552.04 $138,496.14 $119,424.79 42 $563.08 $157,217.16 $132,261.33 43 $574.34 $177,269.67 $145,493.47 44 $585.83 $198,737.72 $159,134.93 45 $597.55 $221,710.49 $173,199.88 46 $609.50 $246,282.60 $187,703.00 47 $621.69 $272,554.42 $202,659.44 48 $634.12 $300,632.45 $218,084.90 49 $646.80 $330,629.65 $233,995.60 50 $659.74 $362,665.88 $250,408.30 51 $672.93 $396,868.24 $267,340.34 52 $686.39 $433,371.60 $284,809.67 53 $700.12 $472,318.98 $302,834.83 54 $714.12 $513,862.11 $321,434.99 55 $728.41 $558,161.90 $340,629.99 56 $742.97 $605,389.05 $360,440.34 57 $757.83 $655,724.57 $380,887.23 58 $772.99 $709,360.46 $401,992.62 59 $788.45 $766,500.36 $423,779.16 60 $804.22 $827,360.22 $446,270.32 61 $820.30 $892,169.06 $469,490.34 62 $836.71 $961,169.79 $493,464.31 63 $853.44 $1,034,619.96 $518,218.15 64 $870.51 $1,112,792.75 $543,778.70 65 $887.92 $1,195,977.81 $570,173.67 Estimate only. Contributions and match are added at the end of each month, and growth compounds monthly at a rate equal to the annual return. Contributions rise once a year. Match caps, taxes, fees and withdrawals are not modeled. Today's dollars divide by (1 + inflation) for each year.
How to use the retirement savings calculator
- Enter your Current age, Retirement age and Current retirement savings.
- Enter your Monthly contribution, Employer match as a percent of your contribution, and Annual contribution increase.
- Enter the Expected annual return and Inflation rate, then press Run.
- Press Copy result or Download to keep the year-by-year table.
How it works
Each month your contribution plus the employer match is added at month end, and the balance grows at the monthly rate equal to your expected annual return.
Your contribution rises by the annual increase percent once a year. Employer match is a percent of your contribution, with no salary cap.
Today's dollars divide the future balance by (1 + inflation) once for each year until retirement.
Taxes, fees, match limits and withdrawals are not modeled, so the result is an estimate.
Everything runs in your browser. Your input is not uploaded or stored.
Questions and answers
How does the employer match work here?
Enter the match as a percent of what you put in. 50 means your employer adds 50 cents for each dollar you contribute. Real plans often cap the match, so use the effective rate.
What does today's dollars mean?
It is the future balance shrunk by inflation, so you can see what it would buy at today's prices.
Does this include taxes?
No. It does not model taxes on contributions, growth or withdrawals.