About the retirement savings calculator
Regular contributions plus compound growth can build a large balance over decades. This calculator projects a balance at a steady return, shows how much came from contributions vs. growth, and can adjust for inflation.
How to use this calculator
- Enter current savings and your monthly contribution.
- Enter an expected annual return and years to retirement.
- Optionally add inflation to see today’s dollars.
Worked examples
- Contributions: $205,000
- Projected balance ≈ $652,000
Roughly $652,000 before inflation.
Measurement guidance
What return to assume
Long-term planning often uses conservative rates. Running several scenarios (4%, 6%, 8%) shows a realistic range.
Frequently asked questions
What is the 4% rule?
A rough guideline suggesting about 4% of a balance could be withdrawn in the first year of retirement. It isn’t a guarantee.
Does it include employer matching?
Add any employer contributions to your monthly amount.