Retirement Calculator (US)

The Retirement Calculator helps you answer the most important long-range financial question: will your savings last through retirement? Input your current age and savings, your target retirement age, expected annual contributions, estimated investment return rate, and anticipated annual spending in retirement. The tool projects your portfolio balance year by year, showing whether your nest egg grows enough to sustain withdrawals for twenty, thirty, or more years. It highlights the crossover point where spending begins to outpace growth, giving you a clear visual of when — or whether — your funds could run out. You can experiment with different scenarios instantly: retiring five years earlier, increasing contributions by a few hundred dollars a month, adjusting the assumed rate of return to be more conservative, or reducing planned spending. Each change recalculates the entire projection in real time, so you can compare dozens of plans in minutes rather than waiting for an advisor appointment. The underlying model uses a standard future-value accumulation formula during the savings phase and a systematic-withdrawal model during retirement, both adjusted for the annual return rate you specify. It does not account for taxes or Social Security directly, but you can factor those in by adjusting your net contribution and spending inputs. The calculator is valuable for working professionals in their thirties through fifties mapping out a savings trajectory, pre-retirees stress-testing their readiness, and financial educators illustrating the impact of early saving. Every projection runs locally in your web browser — your age, salary, and savings figures are never uploaded or stored. No account, no ads, and no caps on usage. Plan as often as you want to stay on track toward a confident retirement.

1. Enter your current age, planned retirement age, and current retirement savings.
2. Add your monthly contribution and an expected annual return.
3. Optionally set an inflation rate to see the result in today's dollars.
4. Review the projected nest egg at retirement in both nominal and real terms.

A seven-figure balance decades from now can be misleading once inflation is factored in. This calculator shows both the headline number and what it's actually worth in today's money, so your target is grounded in reality.

• Projects current savings plus ongoing contributions to your retirement age.
• Optional inflation adjustment to show buying power in today's dollars.
• Toggle between nominal (raw) and real (inflation-adjusted) totals.
• Instantly test different contribution and return assumptions.
• All calculations stay in your browser — nothing is stored or sent.

Current savings grow by monthly compounding: FV = P(1 + r/12)^(12t). Contributions use the future value of a series: FV = PMT × [((1 + r/12)^(12t) − 1) / (r/12)]. The two are summed for the nominal balance. To express it in today's dollars (the real value), divide by (1 + i)^t, where i is the annual inflation rate and t is years to retirement.