Project your retirement nest egg based on your age, savings, and contributions. Not financial advice.
$
$
%
Total Nest Egg at Age 65
$1,188,181
After 35 years of growth
Total Principal
$235,000
Total Interest Earned
$953,181
Last updated: July 2026
Secure Your Financial Future
Will you have enough money to retire comfortably? This calculator projects your retirement nest egg based on your current age, retirement age, current savings, monthly contributions, and an assumed annual return. This is a projection based on your assumptions, not a guarantee or financial advice — actual investment returns vary, and a financial advisor can help you build a plan around your specific situation.
How the Projection Works
The calculator grows two amounts separately, then adds them together: your current savings, compounded monthly at your entered rate over the years until retirement; and your monthly contributions, treated as a recurring investment that also compounds monthly. Both pieces use the same annual return rate you provide.
A Worked Example
Say you're 30 years old, plan to retire at 65, currently have $25,000 saved, contribute $500 a month, and assume a 7% annual return:
Years until retirement: 35
Total contributed out of pocket: $25,000 + ($500 × 12 × 35) = $235,000
Projected nest egg: approximately $1,188,000
Growth from compounding (interest earned): approximately $953,000
These figures are approximate — please verify the exact output against the live calculator above, since small rounding differences can occur between manual estimates and the tool's precise calculation.
Frequently Asked Questions
A commonly cited rule of thumb is the 4% rule: a nest egg of about 25 times your annual expenses. If you plan to spend $40,000 a year in retirement, that points to roughly a $1,000,000 target. Some planners now argue for a more conservative 3–3.5% withdrawal rate given longer life expectancies and uncertain future returns, so treat this as a starting point rather than a guarantee — a financial advisor can help tailor it to your situation.
For a diversified stock portfolio (like a broad index fund), the S&P 500's long-run historical average is roughly 10% per year before inflation, and roughly 7% per year after adjusting for inflation. Many planners use 6–7% as a reasonably conservative assumption. This calculator lets you enter your own assumption since the 'right' number depends on your actual investment mix and risk tolerance.
It's never too late, though starting early gives compound growth more time to work. Try increasing the 'current age' field in the calculator by 5–10 years while keeping everything else the same — you'll see how much the projected total drops, which shows just how valuable time in the market is.
It projects two things separately and adds them together: what your current savings grows to on its own with monthly compounding, and what your ongoing monthly contributions grow to as a compounding stream (an annuity). Both use your entered annual return rate, compounded monthly.
Not directly — it projects a nominal dollar figure based on the return rate you enter. If you want a rough real (inflation-adjusted) sense of purchasing power, use a lower return rate (closer to 6–7%, the long-run inflation-adjusted stock market average) rather than the higher nominal figure.
No — this tool only projects the growth of the personal savings and contributions you enter. Social Security, pensions, and other retirement income sources aren't included, so your actual retirement income could be higher than the nest egg figure alone suggests.
They use similar compound-growth math, but are framed differently. This tool is built around retirement planning specifically — starting from your current age and retirement age. The Savings Calculator and Investment Calculator are more general-purpose tools for projecting savings or portfolio growth over any timeframe, not tied to a retirement date.