Retirement Calculator
Find out whether your savings are on track. Enter your current age, when you plan to retire, what you save each month and your expected return — and see your projected retirement corpus.
Your result will appear here
Your projected retirement corpus
Projection assumes monthly contributions at the end of each month and a fixed annual return, compounded monthly. Real returns vary, and inflation is not included — the figure is in future dollars, not today's purchasing power.
How to use
- Enter your current age and the age you plan to retire at.
- Add your current savings and the amount you can invest each month.
- Enter an expected annual return, then click Project My Retirement.
Frequently asked questions
What return should I assume?
A diversified stock-heavy portfolio has historically returned around 7% a year on average after inflation in the US, but past returns do not guarantee future ones. Many planners use 5-7% for a long horizon and lower figures as retirement nears.
Does this account for inflation?
No. The projected corpus is in future dollars. If inflation averages 3%, money in 30 years buys roughly 40% less than today, so treat the headline number as a starting point and think in real terms.
What if I start late?
Starting late means fewer years of compounding, so you need larger monthly contributions to reach the same goal. Even so, starting now beats waiting — every extra year of growth helps.
Are taxes included?
No. Tax on retirement accounts depends on the account type (for example 401(k), IRA or Roth IRA) and your country's rules. This is a before-tax projection. Use it as a retirement calculator free — no signup, nothing to install.
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