Retirement savings calculator
A balance at retirement from what you have saved, what you add, and a yearly return.
Retirement accounts and other money you will leave invested.
A steady rate you are willing to plan around. Not a promise.
Balance then
$622,709.20
Growth adds $422,709.20. The rest is money you put in.
- You contribute
- $180,000.00
- Growth adds
- $422,709.20
- Starting balance
- $20,000.00
Retirement is decades away. Next month isn’t.
See this decade’s big picture and next month’s tight spots together.
Start free 14-day trialHow this number is calculated
Each month, the balance earns one-twelfth of the yearly rate, and then the contribution is added. That repeats for the number of years you enter. The result is the balance at the end, split into money you put in and growth.
A savings-account rate is a low assumption. A higher rate assumes the money stays invested and the return is steady, which a real portfolio is not. This does not subtract taxes, fees, or withdrawals.
Common questions
What return should I use?
Use a rate you are willing to plan around, not the best recent year. A diversified stock portfolio is often planned around 5% to 7% after inflation is ignored, and less if you want a cautious figure. A savings account rate fits money that will not be invested.
Does this account for inflation?
No. The balance is in future dollars. A dollar then will buy less than a dollar now. The inflation calculator shows what today's prices could become over the same stretch of years.
Are taxes included?
No. Contributions and growth are counted in full. Money in a taxable account, or withdrawals from a retirement account, can be taxed. The result is the balance before that.
Other calculators
This is an estimate for planning, not financial, tax, or lending advice. Nothing you type is saved. Ampluent forecasts the cash in a household day by day from paychecks, bills, and cards. See Ampluent