See if you’re on track for retirement. This free retirement savings calculator projects your nest egg from your current savings, monthly contributions and return — and compares it to your goal.
Estimate only, in nominal dollars. Returns vary and are not guaranteed.
Use this free retirement savings calculator to project how much you’ll have at retirement and check whether you’re on track. Enter your age, current savings, monthly contribution and expected return to see your nest egg grow.
A retirement savings calculator projects the value of your savings at retirement by compounding your current balance and monthly contributions at an expected return. It shows your projected total, how much you contributed, the investment growth and — if you set a goal — whether you’re on track.
Enter a retirement goal and the calculator shows your projection as a percentage of it. For example, at age 35 with $50,000 saved, adding $600 a month at a 7% return projects to about $1.14 million by 65 — roughly 114% of a $1 million goal, so on track with room to spare.
| Term | What it means |
|---|---|
| Nest egg | Your total retirement savings at retirement. |
| Contribution | Money you add to your savings each period. |
| Compound growth | Returns earning their own returns over time. |
| Nominal dollars | Future amounts not adjusted for inflation. |
It depends on your starting balance, monthly contributions, return and years left. At age 35 with $50,000 saved, adding $600 a month at 7% projects to about $1.14 million by 65.
Enter a goal and the calculator shows your projection as a percentage of it. Reaching 100% or more means you're on track; below that, increasing contributions, working longer, or adjusting your return assumption can close the gap.
Many people model a long-term return around 6–7% for a diversified portfolio, though actual returns vary year to year and aren't guaranteed. Use a conservative figure if you prefer a cautious estimate.
They overlap. This retirement savings calculator focuses on projecting your nest egg and checking it against a savings goal, while a fuller retirement calculator may also estimate the income that nest egg can provide.
No. The projection is in nominal (future) dollars. Because inflation reduces buying power over time, your real spending power will be less than the headline number suggests.
Yes, this retirement savings calculator is completely free, needs no sign-up, and gives instant results directly in your browser.