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Finance Calculators

Retirement Calculator

Project your retirement nest egg from current savings, monthly contributions, return and time.

  • 622,709Projected nest egg
  • 200,000You put in
  • 422,709Investment growth

A projection assuming a steady return; real markets vary. Not financial advice.

How to use it

  1. Enter your savings Your current retirement balance.
  2. Add contributions and return Monthly amount and expected annual return.
  3. Set the years How long until you retire.

Examples

20k + 500/mo, 6%, 30y large nest egg
growth most of the total

About this tool

Compounding is what turns steady saving into a substantial retirement fund, and seeing the projection can be powerfully motivating. This calculator combines your current balance, monthly contributions and expected return to estimate your nest egg at retirement.

It splits the result into what you contributed and what growth added, which often shows that most of the total comes from compounding rather than your own deposits. It’s a projection, not a promise — markets vary, and this isn’t financial advice. Everything runs in your browser.

Frequently asked questions

How is growth calculated?

Your starting balance and monthly contributions are compounded monthly at your expected annual return, so growth includes interest on interest.

Is this guaranteed?

No. It's a projection based on a steady return, but real markets rise and fall. Treat it as a guide, not financial advice.

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Updated June 15, 2026