RETIREMENT CALCULATOR

What will your savings grow to?

Project a starting balance and regular contributions forward at an assumed rate of return, and see how much of the difference is actually your own money versus growth.

$
%
A starting assumption, not a promise: real returns vary year to year and can be negative.
$0
Projected balance
$0
Total you contribute
$0
Investment growth
0 yr
Time to grow
%/yr
Retirement income

What that balance actually supports

A lump sum is hard to picture. Using a common rule of thumb, withdraw a fixed percentage of the balance each year, here's roughly what it could pay you, in today's purchasing power, plus how much you'd need to contribute to hit an income goal of your own.

Based on your current plan
$0/mo
%/yr
The "4% rule" is the most commonly cited starting point, not a guarantee it'll last.
Want a specific income instead?
$ /mo
Coast FI number
$0
Balance over time

How much of the total is actually yours

You contributed
Investment growth
How this is calculated

Interest compounds monthly at the flat annual rate you set above, with your monthly contribution added at the end of each month: a simplification of how real markets behave, which don't move in a smooth, constant line, some years are down, some are sharply up. This also doesn't account for taxes, investment fees or expense ratios, an employer 401(k) match, annual contribution limits, or increasing your contribution over time (say, with raises). Treat the projected balance as a rough, useful illustration of how compounding and time interact, not a guarantee or a financial plan.

Keep reading
How Does Interest Actually Work?
Simple versus compound, and the same math pointed at your debt.
How Do Different Asset Classes Work?
What you actually own with stocks, bonds, cash, gold and crypto.
What Is Inflation and How Does It Work?
What CPI really measures, and nominal versus real value.