Project how much you could have at retirement and test how much an extra monthly contribution would add.
How the Retirement Calculator works
The calculator grows your current savings plus monthly contributions at an expected return from now until your chosen retirement age, showing the projected nest egg.
Example calculation
Starting at 30 with $25,000 and $600 a month at 7% projects to roughly $1.2 million by age 65.
Tips for using the Retirement Calculator
- Use a real return (4–5%) to think in today's money.
- Aim to save around 15% of gross income.
- Increase contributions with every raise.
Retirement Calculator — frequently asked questions
- Inflation adjusted?
- No — figures are nominal. Use a real return (4–5%) for today's purchasing power.
- How much to save?
- A common guideline is ~15% of gross income, adjusted for your target age and other income.
- Does this account for inflation?
- No — figures are nominal; use a lower real return for purchasing power.
- How much do I need to retire?
- A common rule is 25× annual expenses, but it depends on lifestyle and other income.
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