Retirement Savings Calculator

Project how your retirement savings could grow from your current balance and monthly contributions — works in any currency, anywhere in the world.

Your Retirement Plan

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How This Calculator Works

Starting from your current savings, this calculator adds your monthly contribution each month and applies your expected annual return (converted to a monthly rate) to simulate compound growth month by month until your chosen retirement age. If you set an annual contribution increase, your monthly contribution grows by that percentage once per year — a simple way to model future raises.

This tool doesn't assume any particular country's retirement accounts, tax treatment, or currency — enter your numbers in whatever currency you use, and the projection works the same way.

This calculator provides estimates for general informational purposes only and does not constitute financial advice. Actual investment returns vary and are never guaranteed. Consult a qualified financial advisor for advice specific to your situation.

Frequently Asked Questions

How does compound growth affect retirement savings?+

Each month, your existing balance earns a return, and that return is added to the balance before the next month's growth is calculated. Over decades, this compounding effect — growth earning its own growth — typically accounts for more of your final balance than your actual contributions.

What return rate should I use?+

There's no guaranteed rate. Many long-term investors use a conservative estimate (often in the 5–8% range for diversified stock-market investing) rather than assuming the best historical years will repeat. Consider running the calculator at a few different rates to see a range of outcomes.

Does this include Social Security, a pension, or state retirement benefits?+

No. This calculator only projects the personal savings and contributions you enter. If you expect Social Security, a workplace pension, a state pension, or any other retirement benefit, add that income separately when planning your total retirement income.

Can I use this outside the United States?+

Yes. This calculator doesn't use any country-specific account types or tax rules — it's pure compound-growth math. Enter your current savings and monthly contribution in your own currency; the $ symbol shown is just a placeholder.

What is the 4% rule?+

The 4% rule is a common rule of thumb suggesting you can withdraw about 4% of your retirement savings in the first year of retirement (adjusting for inflation after that) with a reasonably low risk of running out of money over a ~30-year retirement. It's a rough planning guideline, not a guarantee.