See exactly how much your nest egg will grow by retirement
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Projected Nest Egg
Key Milestones
Year-by-Year Breakdown
Disclaimer: This calculator provides estimates for illustrative purposes only. It assumes a fixed annual return compounded monthly and does not account for taxes, inflation, fees, or changing contribution rates. Past market performance does not guarantee future results. Consult a qualified financial advisor for personalized retirement planning.
Use our free retirement savings calculator to estimate how much your nest egg will be worth at retirement. Enter your current savings balance, monthly contribution amount, expected annual return rate, and years until retirement. The calculator uses compound interest math (monthly compounding) to project your total wealth — broken down into what you contributed vs. what the market grew for you.
The calculator uses the standard future value formula with monthly compounding: FV = PV × (1 + r)^n + PMT × [((1 + r)^n − 1) / r], where PV is your current savings, PMT is your monthly contribution, r is the monthly interest rate (annual rate ÷ 12), and n is the total number of months.
Historical U.S. stock market returns have averaged roughly 7–10% annually before inflation. A conservative estimate is 4–5% (bonds/mixed), a moderate estimate is 6–7% (balanced portfolio), and aggressive is 9–10% (equity-heavy). The calculator lets you enter any rate you like.
No — the results are in today's nominal dollars and do not subtract for inflation, taxes, or investment fees. For a real-terms estimate, reduce your return rate by the expected inflation rate (typically 2–3%) to get an inflation-adjusted projection.
A common rule of thumb is to save 10–15% of your gross income for retirement. Use this calculator to experiment: try different monthly contribution amounts and see how much the final nest egg changes — the results often show that even small increases compound dramatically over decades.