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Retirement Calculator
Retirement saving is hard to judge because compound growth does most of its work late. Enter your current age, retirement age, current savings, monthly contribution and an expected annual return and this calculator projects the balance at retirement — in future money and, adjusted for inflation, in today's money — with a year-by-year growth table.
Use the tool
How to use the Retirement Calculator
- Enter your current age, retirement age, current savings, monthly contribution and expected annual return.
- Adjust any optional settings to match your page, business or campaign.
- Click the button to generate your result instantly — nothing is uploaded; the tool runs in your browser.
- Copy the result, or download it as a file where that option appears, and paste it into your site, document or campaign.
Frequently asked questions
Is the projected balance guaranteed?
No. Investment returns vary year to year and are never guaranteed. The projection assumes a steady average return, which is a planning illustration, not a promise.
What return should I assume?
Use a cautious long-run figure and try a lower one too. A projection at 5 percent and at 7 percent shows how much the assumption matters.
Why show today's-money value as well?
Because inflation erodes purchasing power. A balance that looks large in 30 years buys less then; the inflation-adjusted figure keeps the target honest.