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Retirement Savings Calculator

Model retirement contributions and view the result in nominal and inflation-adjusted dollars.

Your numbers

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Updates as you type
Projected balance at retirement
$339,032.48

USD · rounded to the nearest cent

In today’s purchasing power$161,631.25
Total contributions$128,000.00
Years to retirement30

Illustrative constant nominal return with monthly compounding and fixed end-of-month deposits. No taxes, fees, pension benefits or withdrawals. Actual returns fluctuate.

Your calculation, step by step

No black boxes
  1. Save for 360 months.
  2. Each month: balance = previous balance × (1 + 5/1200) + 300.
  3. Nominal final balance = 339,032.476889 USD.
  4. Today’s purchasing power = nominal balance ÷ (1 + 2.5/100)^30 = 161,631.253395 USD.
Detailed results · 30 entries
AgeNominal balance (USD)Today’s dollars (USD)Contributions (USD)
36$24,706.89$24,104.29$23,600.00
37$29,654.60$28,225.68$27,200.00
38$34,855.45$32,366.75$30,800.00
39$40,322.37$36,530.08$34,400.00
40$46,069.00$40,718.28$38,000.00
41$52,109.63$44,933.97$41,600.00
42$58,459.32$49,179.79$45,200.00
43$65,133.86$53,458.39$48,800.00
44$72,149.89$57,772.46$52,400.00
45$79,524.87$62,124.70$56,000.00
46$87,277.17$66,517.84$59,600.00
47$95,426.10$70,954.64$63,200.00
48$103,991.93$75,437.87$66,800.00
49$112,996.01$79,970.35$70,400.00
50$122,460.76$84,554.94$74,000.00
51$132,409.74$89,194.50$77,600.00
52$142,867.73$93,891.97$81,200.00
53$153,860.77$98,650.28$84,800.00
54$165,416.24$103,472.44$88,400.00
55$177,562.91$108,361.48$92,000.00
56$190,331.02$113,320.48$95,600.00
57$203,752.37$118,352.55$99,200.00
58$217,860.39$123,460.88$102,800.00
59$232,690.19$128,648.67$106,400.00
60$248,278.72$133,919.21$110,000.00
61$264,664.79$139,275.80$113,600.00
62$281,889.20$144,721.84$117,200.00
63$299,994.84$150,260.75$120,800.00
64$319,026.80$155,896.04$124,400.00
65$339,032.48$161,631.25$128,000.00

What if things were different?

Save up to three scenarios, then change your inputs to compare the possibilities.

How to use this calculator

  1. Enter your own values in the labeled fields. Check the units and assumptions before comparing results. Only the fields needed for your selected calculation mode are shown.
  2. Your answer updates automatically. Review the calculation steps to see exactly how it was calculated.
  3. Copy, share, save, or download your result. Saved inputs stay on this device.

How the calculation works

B_next = B × (1 + nominal rate / 1200) + contribution; real balance = B / (1 + inflation)^years

This accumulation model projects fixed monthly contributions until the chosen retirement age. It compounds the entered nominal return monthly and discounts the final balance by annual inflation. Neither return nor inflation is a forecast. Compare several assumptions rather than interpreting a single balance as a promised outcome.

A worked example

Starting with $10,000 and adding $100 monthly for 10 years at 0% produces $22,000 before any inflation adjustment.

Reading your result

Use the main result together with its units and supporting figures. Display values are rounded; calculations keep their underlying precision. A change in inputs or assumptions can change the answer. Compare the step-by-step working with your intended use before relying on an estimate.

Frequently asked questions

Are contributions increased with inflation?

No. The nominal monthly amount stays fixed.

Does this estimate retirement income?

No. Withdrawals, pensions, taxes and investment volatility are excluded.

Sources & methodology

This calculator uses the mathematical identity and assumptions stated above. No current rates, prices, or external data are loaded. Conversion tools use international unit definitions.

Formula review: October 24, 2026. Read our methodology.