Retirement Savings Calculator
Project your retirement balance with monthly contributions and expected returns.
How retirement savings are calculated
This calculator uses compound interest with monthly compounding. Your existing savings grow as a lump sum: FV = P × (1 + r)^n. Monthly contributions grow as an annuity: FV = PMT × ((1 + r)^n − 1) / r. The historical US stock market average return is roughly 7% after inflation. Related: compound interest calculator and ROI calculator.
Private & free — this tool runs entirely in your browser.
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