Project savings at retirement.
These calculators use standard financial formulas (amortization, compound interest, marginal tax brackets) to estimate results based on the numbers you enter. They don't account for your full financial picture, and results shouldn't be treated as financial, tax, or investment advice. For decisions with real money on the line, check the numbers with a lender, accountant, or financial advisor who can see your complete situation.
Projected balance combines your current savings growing at the assumed return plus monthly contributions compounding on top over years to retirement.
Small changes in assumed return move the final number a lot over 20–40 years — try a range (5%, 7%, 9%) to see the spread.
This model assumes constant contributions and a constant return, which real life never delivers exactly — treat the result as a planning estimate to stress-test, not a guaranteed outcome.
$20,000 saved, $500/month, 7% annual return, 30 years to retirement: projected balance ≈ $772,315.45.
It's the rough long-term US stock market average. Actual results vary — historical does not guarantee future.
Rule of thumb: save 15% of gross income including employer match, starting early. Adjust upward if you started late.
Yes. This gives nominal dollars. For purchasing power, subtract expected inflation (~3%/yr) from the return.
You'll need a higher monthly contribution or a longer working period to reach the same target — run a few different monthly amounts through this calculator to see what closes the gap.