Plan your retirement savings. Model monthly contributions, expected returns, and years to project your final corpus and shortfall. 100% private and offline.
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Quick answer: Retirement Calculator — Plan your savings goal Free, no signup, runs in your browser. See below for the interactive tool, 4-step guide and FAQs.
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Total contributions
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Retirement goal
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Surplus
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Start with 5 to 7% nominal returns minus 2 to 3% inflation for a 3 to 4% real rate. The tool shows both nominal corpus and inflation-adjusted shortfall against your goal. For example, $800 monthly at 7% for 30 years approaches $980,000 nominal but far less in today's dollars. Test conservative rates and see /terms.
Corpus combines current savings grown as P×(1+r)^t and monthly contributions as PMT×(((1+mr)^n−1)÷mr), where mr is annual÷12÷100 and n is months. For example, $800 monthly at 7% for 30 years grows near $980,000 before inflation and existing savings compounding separately. Real value divides by (1+inflation)^years. See /terms; this is never financial advice.
Raise monthly contributions, extend your working years, or trim the goal, since small hikes compound strongly over decades. For example, $500 monthly at 7% for 30 years grows near $613,000 while $800 monthly reaches near $980,000, closing a large gap. This excludes taxes, fees, and market drops, so consult a qualified professional and see /terms.
Because compounding exponentiates duration, $500 monthly from age 25 to 60 at 7% nears $1,197,000, while $1,000 from 35 to 60 reaches only $1,015,000 despite double outlay. Early dollars compound 35 years versus 25. Model 25 versus 35 start ages here, weigh career breaks. See /terms.
Longer lifespans and medical escalation demand lower initial withdrawals, so $980,000 corpus at 4% supports $39,200 yearly, yet 6% healthcare inflation erodes clinical budgets faster. Couples planning to 90 need larger buffers than singles to 80. Stress-test longevity via /inflation-calculator. Longevity modelling only, not retirement counsel. See /terms.
Retirement corpus fuses existing capital compounding as P times (1+r) to years and annuity growth PMT times (((1+mr)^n minus 1) divided by mr), where mr equals annual divided by 12 divided by 100 and n spans months. For example, $800 monthly at 7% for 30 years accumulates near $980,000, while $500 monthly reaches near $613,000, a $367,000 contribution leverage. Early-start table proves timing dominance: | Start age to 60 | Monthly $500 at 7% | Corpus | 25-60 | $500 | $1,197,000 | 30-60 | $500 | $613,000 | 35-60 | $500 | $402,000 |. Five extra years dwarf higher payments. Our retirement calculator renders nominal corpus, inflation-discounted reality, and shortfall privately offline. Edge case: sabbaticals pausing contributions fracture compounding rhythm severely. Limitation: presumes unwavering returns, ignoring volatility clustering and fee erosion. Contextualize purchasing erosion via /inflation-calculator. Projection aid only, not financial advice. See /terms.
Supply current age, retirement age, saved balance, monthly pledge, nominal return, inflation guess, and target corpus; engine returns nominal harvest, real purchasing parity, and shortfall surplus. Assuming $20,000 seed and $800 monthly at 7% nominal minus 3% inflation for 30 years nets near $980,000 nominal but roughly $403,000 in today's dollars. Return sensitivity table cautions optimism: | Return 30yr $800 | Nominal corpus | Real at 3% inflation | 6% | $810,000 | $333,000 | 7% | $980,000 | $403,000 | 8% | $1,193,000 | $491,000 |. One point swings hundreds of thousands. Edge case: lump-sum inheritances mid-journey distort monthly equivalence, needing separate compounding. Limitation: excludes taxes, fund expenses, salary interruptions, and crash sequencing. Benchmark paycheck capacity via /salary-calculator. Scenario modelling only, never bespoke retirement counsel. See /terms.
Close deficits by elevating contributions, deferring exit, or trimming lifestyle targets, since incremental dollars avalanche across decades. For instance, $800 monthly at 7% for 30 years hits near $980,000 versus $613,000 for $500, while working two extra years to 62 adds roughly $165,000. Action tradeoff table: | Fix | Extra corpus | Lifestyle cost | +$300 monthly | $367,000 | Tighter budgeting | +2 years work | $165,000 | Delayed leisure | Lower goal 10% | $100,000 | Leaner retirement |. Combine levers modestly rather than chasing returns. Edge case: health shocks forcing early exit demolish projections, demanding disability buffers. Limitation: ignores pension offsets, Social Security timing, and part-time semi-retirement income. Explore compounding mechanics via /compound-interest-calculator. Informational direction only, not professional retirement advice before acting prudently. See /terms.