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Retirement Savings Projection Calculator
Projects a retirement balance using monthly compounding and contributions under rates you enter, with an optional inflation-adjusted ending value.
Limitation: Educational projection only.
How to Project Retirement Savings
Enter today’s balance, planned monthly savings, years remaining, and hypothetical rates.
Enter current invested retirement savings.
Pair with contribution limits
Use the Roth IRA contribution calculator to stress-test annual contribution caps separately from this growth projection.
What the Retirement Projection Shows
Ending nominal balance, total contributions, projected growth, optional inflation-adjusted value, and a year-end table.
Worked Retirement Examples
10-year growth with monthly contributions
Inputs
Result
Monthly compounding at 6% with $500 contributions grows the balance; inflation adjustment reduces purchasing-power display.
Zero return, no new contributions
Inputs
Result
With 0% return and no contributions, the balance stays 10,000.
Frequently Asked Questions
Still have questions about this calculation?
Try the CalculatorRetirement Projection Formulas
Same compound-growth engine used for transparent investment worksheets on this site.
Formula
Periodic growth
(1 + annual rate ÷ 12) each month when rate > 0
Inflation-adjusted value
nominal ÷ (1 + inflation)^years
Scientific Background
Assumptions: constant monthly contribution, constant nominal return, no fees/taxes/withdrawals. Limitations: asset allocation, RMDs, Social Security, and employer matches are not modeled. See Investor.gov compound interest guidance.
Sources & review
Retirement Calculator documents the references behind its formulas and assumptions. Always treat results as educational estimates, not personalized professional advice.
Last reviewed
July 22, 2026
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U.S. Securities and Exchange Commission — Investor.gov
https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculatorFree Calculator Hub methodology
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