Retirement Savings Calculator
Project how much your retirement pot could grow from your current savings plus monthly contributions at an expected return, and see how much of the total is growth versus what you put in. Calculated in your browser.
- 100% free
- Private & safe
- Runs in your browser
Why use Retirement Savings Calculator?
Retirement Savings Calculator gives you accurate results instantly, with the underlying formula shown so you can trust the numbers.
- Runs instantly in your browser — nothing to install, nothing uploaded.
- Completely free, with no account, no watermarks and no usage limits.
- Future value of a lump sum plus monthly contributions, compounded monthly.
- Enter current savings and monthly contribution.
- Works on any device — desktop, tablet and phone — and is fully keyboard accessible.
How to use Retirement Savings Calculator
- Enter current savings and monthly contribution.
- Enter expected return and years.
- See the projected balance.
- Split of contributions vs growth.
Examples
- $10,000 plus $500/month at 6% for 30 years.
- Comparing retiring 5 years earlier.
Formulas
- Future value of a lump sum plus monthly contributions, compounded monthly.
Limitations
- Assumes a constant return; real markets fluctuate.
- Ignores taxes and inflation. Estimate only, not financial advice.
Frequently asked questions
Does it account for inflation?
No — use the Inflation tool alongside it to see real value.
Is the return guaranteed?
No — markets vary; this is a projection.
Stored?
No — local only.
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