Retirement Savings Calculator
What will your savings become? Enter what you have, what you add each month, and watch compound growth do the heavy lifting.
Your numbers
In 20 years you could have
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Projected total
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You put in
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Growth did the rest
Balance year by year
Your contributions
Growth on top
Assumes monthly compounding at a steady return. Real markets bounce around — this shows the average path, not a promise.
Why starting early matters more than starting big
$500/month for 20 years at 7% becomes about $260,000 — and nearly half of that is growth, not your deposits. Time in the market beats timing the market.
Common questions
What return should I assume?
The US stock market has averaged ~10% before inflation (~7% after). A 60/40 stock/bond mix is often modeled at 6–7%. When in doubt, use a conservative number.
Does this include inflation?
No — these are future dollars. Roughly speaking, divide by ~1.5 to picture 20 years of 2% inflation in today's purchasing power.