Retirement Savings Calculator
years
years
$
$
%
Total at Retirement$1,188,181.10
Total Contributions$210,000.00
Investment Earnings$953,181.10
Share:
Retirement projections compound monthly contributions at the expected annual return. Results are in nominal (pre-inflation) dollars. To estimate real purchasing power, subtract your expected inflation rate from the expected return before entering it.
Jane Smith, CFPCFP®
Reviewed 2025-01-15 · View methodology
Frequently Asked Questions
How much do I need to retire?
A common benchmark is 25× your expected annual expenses (based on the 4% withdrawal rule). For $60,000/year in expenses, you need $1.5 million. Your actual number depends on lifestyle, Social Security income, and desired retirement age.
What investment return should I assume for retirement planning?
Conservative planners use 5–6% real (inflation-adjusted). Moderate assumptions use 7%. For planning, 6% real return is reasonable for a diversified stock/bond portfolio.
At what age should I start saving for retirement?
The earlier the better. Starting at 25 vs. 35 can result in double the savings at retirement, even with the same monthly contributions, due to compound growth over more years.
Related Calculators
Use this calculator anywhere
Install the free Chrome extension — auto-fills from Zillow, Redfin, and banking sites.
Get the Free Extension →Add this calculator to your website
One script tag. White-label theming. Plans from $19/mo.
See Embed Plans →