Retirement calculator
Free retirement calculator that projects your nest egg instantly. Enter your age, savings, and monthly contribution to see growth year by year, privately in your browser.
How to use
- Enter your current and retirement age. Type how old you are now and the age you plan to retire. The gap between them sets how many years your savings have to grow.
- Add your current savings. Enter what you have already set aside for retirement so it starts compounding from year one, and pick your currency from the selector.
- Set your monthly contribution. Type the amount you plan to add each month. This is treated as a regular deposit that keeps building your balance over time.
- Choose an expected annual return. Enter the average yearly return you expect on your investments as a percentage. A lower figure gives a more cautious, conservative projection.
- Review your projected nest egg. See your estimated balance at retirement update instantly, with total contributions versus investment growth and a year-by-year view of how it builds.
Features
- Instant nest egg projection. Your projected balance at retirement updates the moment you change an input, calculated locally with no upload, account, or waiting.
- Contributions vs. growth split. See exactly how much of your final balance came from money you put in versus how much compounding added, so the value of time is clear.
- Year-by-year breakdown. A schedule shows your balance growing each year from now until retirement, making it easy to see when compounding starts to accelerate.
- Test scenarios in seconds. Adjust your retirement age, monthly amount, or return assumption to instantly compare paths and find a plan that feels realistic.
- Universal currency selector. The math is currency-agnostic, and a selector formats every figure in the units you choose, from dollars to euros to anything else.
When to use it
- Estimating your retirement nest egg if you keep contributing the same amount each month until you retire.
- Seeing how retiring a few years later, or earlier, changes your projected final balance.
- Comparing how a 5% versus 7% expected return reshapes decades of compounding.
- Checking how much a higher monthly contribution adds to your balance by retirement age.
- Understanding how much of your nest egg comes from saving versus from investment growth over time.
Is it private?
The values you enter are processed locally in your browser and are never uploaded.
Frequently asked questions
Is this retirement calculator free?
Yes, it is completely free with no limits and no sign-up. You can run as many projections and scenarios as you like.
Is my data private? Does anything get uploaded?
Everything is calculated locally in your browser. The ages, savings, and contributions you enter are never sent to a server or uploaded anywhere, so your inputs stay on your device.
Is this financial advice?
No. This tool is educational only and does not provide financial advice. The result is an estimate based on the values you enter and a constant return assumption. For decisions about your retirement, consult a qualified financial professional.
How is my retirement balance calculated?
Your current savings grow at the monthly equivalent of the annual return you enter, compounding each month until retirement. Every monthly contribution is added and then grows from the date it is deposited, and the calculator sums all of those growing amounts to project your final nest egg.
What expected annual return should I use?
That is up to you, as returns are never guaranteed. Many people model a long-term average and also try a lower, more conservative figure to see a cautious case. The calculator simply applies whatever rate you enter at a steady pace.
Does it account for inflation, taxes, or fees?
No. The projection shows nominal growth at the rate you enter and does not subtract inflation, taxes, or investment fees. To approximate a real, after-cost result, you can enter a lower return rate.
Why does starting earlier make such a big difference?
Because compounding rewards time. Early contributions have more years to earn returns, and those returns earn returns of their own. Try lowering your current age in the tool and watch the growth portion of your nest egg climb sharply.
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