Retirement Calculator
Use your current age, retirement age, savings, monthly contribution and assumed return to project a balance at retirement.
Calculator arithmetic runs locally in your browser and does not require an API.
The interactive calculator loads here when JavaScript is enabled.
How to use Retirement Calculator
The age difference sets the savings horizon. Compare contribution amounts without treating the projected balance as a recommended retirement target.
Formula and method
Years = retirement age − current age. Monthly return = (1 + annual return)^(1/12) − 1; end-of-month contributions grow as an ordinary annuity.
Understanding the results
Personal contributions include current savings. Growth is the balance above those contributions. No withdrawals, fees, taxes or rising deposits are modeled; returns are not guaranteed.
Worked example
From age 30 to 32, with 1,000 saved, monthly deposits of 100 and 0% return, 24 deposits produce a projected retirement balance of 3,400.
These are mathematical estimates, not financial advice or an offer of credit.
Frequently asked questions
Does this tell me how much I need to retire?
No. It projects savings; it does not estimate living costs, withdrawal sustainability or a suitable retirement target.
Does it include inflation?
No. The projected balance is nominal; explore purchasing power separately with Inflation Calculator.
Do monthly contributions increase over time?
No. The same contribution is used for each complete month.