Retirement Calculator
- Returns are steady and compounded monthly; contributions are added at the end of each month. Real returns go up and down.
- Retirement income is the same dollar amount each month and uses up the savings exactly at the age you plan until. Inflation lowers what it buys over time.
- Before tax. Social Security, pensions and other income are not included; add them to see your full retirement income.
- This is an estimate, not financial advice.
See what your retirement savings could grow to and how much monthly income they could pay once you stop working. Enter your age, what you have saved and what you add each month. Results are shown in future dollars and in today’s dollars.
How to use the calculator
- Ages: your age now, when you plan to retire, and how long you want your savings to last.
- Savings and contributions: what you have in retirement accounts today, and what you and your employer add each month.
- Yearly return: what you expect your investments to earn after fees. This is your own assumption.
- More options: the return during retirement and the inflation rate.
For example, a 35-year-old with $50,000 saved who adds $500 a month and earns 6% a year would have about $918,261 at 67. You would have put in $242,000; the rest is growth. Earning 4% in retirement, that could pay about $5,094 a month until 90. With 2% inflation, that is about $2,703 a month in today’s dollars.
Where the defaults come from
- Retire at 67: Social Security’s full retirement age for anyone born in 1960 or later.
- Plan until 90: in Social Security’s 2023 period life table, a 67-year-old man can expect about 16.7 more years and a woman about 19.1. Those are averages, so many people live longer. Planning to 90 gives a margin.
- 2% inflation: the Federal Reserve’s longer-run inflation goal. Prices can rise faster: the consumer price index rose 3.7% in the 12 months to September 2026.
- 6% and 4% returns: examples only. No official figure exists, and real returns go up and down.
What the results mean
- Monthly income your savings could pay: a fixed monthly amount that would use up your savings exactly at the age you plan until.
- In today’s dollars: the same amount adjusted for inflation up to your retirement, so you can compare it with what you spend now.
- Savings at retirement: split into what you put in and what your investments earned.
Social Security, pensions and any other income come on top of this, and taxes come off it. The income stays the same each month, so inflation will slowly reduce what it buys during retirement.
Ways to improve your result
- Start or raise contributions early: money added in your 30s has decades longer to grow than money added in your 50s.
- Use any employer match: matching contributions count as part of what you add each month.
- Keep fees low: fees come straight out of your return.
- Test a few scenarios: try a lower return or higher inflation to see how much room you have.
Frequently asked questions
No. It shows only what your own savings could pay. Add your expected Social Security benefit, which you can check in your my Social Security account, to see your full retirement income.
There is no official figure, and returns change from year to year. Use a rate that matches how you invest, after fees, and try a lower one to see the effect.
Prices rise over time, so a dollar at retirement buys less than a dollar now. Today’s dollars let you compare your future income with what you spend today.
No. The calculation runs in your browser. Nothing you type is stored or sent to us or anyone else.
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Reviewed by Maxwell. Last reviewed October 23, 2026. Methodology: monthly compounding of savings and contributions to retirement, then a level monthly income that uses up the savings by the chosen age; defaults from Social Security, the Federal Reserve and BLS.