DocomintRetirement Calculator
Project your retirement savings balance from a current balance and monthly contributions.
Projects a retirement account balance by growing both your existing balance and every future monthly contribution at an assumed rate of return, compounded monthly — the same future-value-of-annuity math behind most retirement-planning tools, useful for seeing how much of an eventual balance actually came from investment growth versus your own contributions.
Example: Starting from $25,000 with $500/month contributions at an assumed 7% annual return over 30 years projects to roughly $637,000 — of which only about $205,000 came directly from contributions, meaning more than two-thirds of the final balance is investment growth.
How it works
- Enter your current balance, monthly contribution, expected annual return, and years until retirement
- Press Calculate
- Your projected balance, total contributions, and total growth appear instantly, calculated on your device
Frequently asked questions
What rate of return should I assume for retirement planning?
A commonly used long-run assumption for a diversified stock-heavy portfolio is around 6–8% annually before inflation, though actual returns vary significantly year to year and by asset allocation — many planners use a more conservative figure for safety margin.
Does the projected balance account for inflation?
No — the projected balance is in nominal (today's-dollar-value-ignoring) terms. See Inflation Calculator to separately estimate how much purchasing power that future balance will have lost by the time you reach it.
Is my numbers uploaded anywhere?
No — Retirement Calculator runs entirely in your browser using JavaScript/WebAssembly. Your numbers is never sent to a server.