Retirement Calculator

Project your retirement savings with monthly contributions and compound returns.

Current age yrs

Retirement age yrs

Current savings $

Monthly contribution $

Expected annual return %

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Retirement planning with compound growth

Last updated: March 30, 2026

A retirement calculator projects future savings using current balance, monthly contributions, and expected annual return. It helps users test scenarios before speaking with advisors.

Compound growth means returns generate additional returns over long periods. Even small monthly contributions can have large long-term impact with consistent investing.

This tool is useful for "when can I retire?" searches and early planning conversations around savings targets.

Frequently asked questions

How does compound growth work for retirement?

Returns generate earnings, and those earnings also earn returns over time. Longer horizons dramatically increase growth.

What return rate should I use?

Many long-term plans model 5% to 8% annual returns, but use conservative assumptions for planning.

Does this replace financial advice?

No. It is a projection tool for planning scenarios and should be combined with professional advice for major decisions.