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Retirement Savings Calculator — 401k, IRA & Compound Growth Projection

Retirement planning can feel overwhelming, but the math behind it is surprisingly straightforward. The key insight is that time is your greatest ally — thanks to compound growth, even modest monthly contributions can grow into a substantial nest egg over a multi-decade career.

This calculator projects your retirement savings by applying monthly compound interest to your current balance and ongoing contributions. It accounts for employer matching (a critical source of “free money” that many people underutilize) and visualizes your portfolio’s growth trajectory so you can see the impact of small changes over time.

Retirement Savings Calculator
Project your nest egg with compound interest. See how small changes in contributions or returns impact your retirement.
30
65
7.0%
50%
Retirement Balance
$2,499,978

Total

Total Contributions$495,200
Interest Earned$2,004,778
Years to Retirement35 Years

Estimates only — not financial advice.

Growth Over Time

How to Use the Retirement Calculator

  1. 1

    Set your current age and desired retirement age using the sliders. The difference determines how many years your savings will compound.

  2. 2

    Enter your current retirement savings balance — the total across all accounts (401k, IRA, Roth, etc.).

  3. 3

    Input your monthly contribution amount. If your employer offers a match, adjust the match percentage and salary cap sliders to include this additional contribution in the projection.

  4. 4

    Set your expected annual return rate. A commonly used conservative estimate is 6-7% for a diversified stock portfolio after inflation.

  5. 5

    Review the interactive growth chart. Try adjusting your monthly contribution up by just 1% to see how dramatically it affects your final balance over 30+ years of compounding.