Retirement Savings Calculator
Find your number: what to save monthly to retire well.
Retirement feels far away until you run the numbers. Enter your monthly savings, expected return, current age and target retirement age to project your nest egg. The math rewards starting now — even modest monthly amounts compound into serious money over 30+ years.
How it's calculated
Your monthly contributions are projected with the same compounding math as a monthly investment plan over (retirement age − current age) × 12 months.
Frequently asked questions
How much should I save for retirement?
A popular guideline is 15% of income starting in your 20s or 30s. The honest answer depends on when you start, your lifestyle target and expected returns — run a few scenarios here to find your number.
What return should I assume?
Many planners use 6–8% nominal annual return for a stock-heavy portfolio, or 4–5% after inflation. Being conservative in your assumption is safer than being optimistic.
I'm starting late — is it too late?
No, but the math gets steeper: someone starting at 45 must save roughly 3–4× more per month than someone starting at 25 to reach the same nest egg. A higher savings rate and a later retirement age both help close the gap.