Calculation method
The balance grows once per year by the assumed return, then the annual contribution is added at year-end.
Retirement · General formulas
Retirement Savings Calculator
Project retirement savings from a current balance and yearly contributions. Use the example values or enter your own numbers to explore an estimate.
Currency formatting only—not an exchange-rate conversion. No country-specific tax or government rules are applied.
Your results
See a clear estimate
Enter your details to see a personalized calculation, a simple projection, and the assumptions behind it.
Free to use
No sign-up required
No personal data stored
Assumptions & limits
- No tax treatment or government benefit formulas are included.
- Constant annual return; no inflation adjustment.
- Basis: user-entered values.
- Basis: standard fixed-payment and time-value-of-money formulas.
Tax or legal rule year: Not applicable — no country-specific rules are used.