Retirement Savings Calculator

How to use

1. Enter your current retirement balance across accounts.
2. Add the monthly contribution you expect to sustain.
3. Set an assumed annual return and years to retirement.
4. Read future value, total contributions, and the growth between them.

General information only — not medical, financial or legal advice. Figures cross-checked against public official sources (IRS / HMRC / NHS / WHO guidance); content last reviewed September 2026. For decisions that matter, confirm with a licensed professional in your country.

About this tool

This retirement savings calculator projects an account from where it stands today: enter a current balance, a monthly contribution, an assumed annual return, and years to retirement, and the engine compounds monthly to a future value split into contributions versus growth. The default inputs, 60,000 dollars growing at 6.5 percent for 25 years with 600 dollars added monthly, project to roughly 752,700 dollars, of which 240,000 is deposited. The split line is the useful one, because late-horizon growth dwarfs new deposits as compounding takes over. A 401(k) match changes the picture too; matched dollars earn an instant return no market can offer. The projection is deterministic, a planning sketch rather than a forecast. Projections use a constant assumed return and ignore taxes, fees, and volatility; verify catch-up limits with the IRS; not financial advice.Three retirement-specific levers sit outside the inputs. Employer matches typically add 50 to 100 percent on contributed dollars up to the match limit, so capturing the full match outranks almost any return assumption. Workers 50 and older can add 7,500 dollars in annual catch-up contributions to a 401(k) in 2026. And the popular 4 percent withdrawal rule implies a target near 25 times planned annual spending.

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