Enter your age, what you've saved so far and what you add each month. See your projected retirement nest egg, how much comes from growth, and how much you'd need. Educational estimate, not financial advice.
How the retirement calculator works
Your future nest egg comes from three things: what you've already saved, what you keep adding, and — the big one — the compound growth on top of both. This tool projects all three to your retirement age.
1. Your current savings keep growing
Whatever you've saved today keeps compounding until you retire. Even with no new contributions, time alone can multiply it several times over.
2. Monthly contributions add up
Each monthly deposit — including any 401(k) employer match — is invested and compounds too. Contributing consistently matters more than timing the market.
3. How much you'll actually need
A common rule of thumb is the 4% rule: multiply the yearly income you want by 25. Enter a desired income to see that target. Read how much you need to retire for the details.
Guides & resources
Plain-English guides to retiring comfortably:
- How compound interest works
- 401(k) vs IRA explained
- How much do I need to retire?
- How much should I save each month?
- Traditional vs Roth
- See all guides →
Frequently asked questions
How accurate is this retirement calculator?
It uses standard compound-growth math on steady contributions, so it's a solid projection. Real returns vary year to year and inflation erodes buying power, so treat the result as a guide, not a guarantee.
What return rate should I use?
Historically a diversified stock/bond portfolio has returned roughly 6–7% per year after inflation. Using a conservative figure gives a safer estimate.
Does it include my employer match?
Yes — just include the employer match in your monthly contribution figure. Matching is free money and dramatically boosts your total.
How much do I need to retire?
A common target is 25× your desired annual spending (the 4% rule). Enter a desired income to see your number, and read how much you need to retire.