Online Tool Store
Retirement Calculator
Project retirement savings with contributions, compound growth, inflation, and milestone balances. Free and private in your browser.
🔒 This tool runs entirely in your browser. Your files are never uploaded to a server.
Projected nest egg at age 67
$2,145,129
after 35 years of saving
In today’s money
$903,895
Total invested
$499,950
Investment growth
$1,645,179
Where the projected balance comes from
23% invested · 77% growthIllustrative 4% first-year withdrawal
$7,150 per month or $85,805 per year.
This is a planning illustration, not a guaranteed sustainable income amount.
View balance milestones
| Age | Projected balance | Today’s money | Total invested |
|---|---|---|---|
| 32 | $50,000 | $50,000 | $50,000 |
| 37 | $125,555 | $110,972 | $96,836 |
| 42 | $237,294 | $185,373 | $148,547 |
| 47 | $400,382 | $276,450 | $205,641 |
| 52 | $636,155 | $388,227 | $268,676 |
| 57 | $974,602 | $525,691 | $338,273 |
| 62 | $1,457,865 | $695,026 | $415,113 |
| 67 | $2,145,129 | $903,895 | $499,950 |
Educational estimate only. Returns are modeled as steady, monthly compound growth; actual markets vary. Taxes, investment fees, account limits, employer-match rules, pensions, and Social Security are not included.
How the retirement calculator works
- Enter your age, retirement age, current savings, and planned monthly contribution.
- Set return, contribution-growth, and inflation assumptions that match the scenario you want to explore.
- Review the projected nest egg, its value in today’s money, the source of the balance, and five-year milestones.
- Change one assumption at a time to see how saving more, working longer, or using a different return changes the projection.
The projection method
The calculator converts the expected annual return into an equivalent monthly rate, grows the existing balance for one month, then adds that month’s contribution. Contributions change after each completed year by the annual contribution-growth percentage.
Monthly rate = (1 + annual return)1/12 − 1
Next balance = current balance × (1 + monthly rate) + contribution
Today’s value = projected balance ÷ (1 + inflation)years
This deterministic model is useful for comparing assumptions, not predicting markets. It excludes taxes, fees, contribution limits, pensions, government benefits, and the sequence of good and bad investment years.
FAQ
What does the projected nest egg include?
It includes your current retirement savings, monthly contributions, any annual increase in those contributions, and compounded investment growth through your selected retirement age.
How is the expected annual return applied?
The annual return is converted to an equivalent monthly rate, growth is applied each month, and that month’s contribution is added afterward. The model assumes a smooth return, while real investments rise and fall.
What does “in today’s money” mean?
It discounts the future balance by your inflation assumption to estimate its purchasing power in current currency. This helps separate a large future number from what it may actually buy.
Should I include an employer retirement-plan match?
Yes. Add the amount that actually reaches the account—including a regular employer match—to the monthly contribution. Do not include a match you are not yet eligible to receive.
Does this calculator tell me whether I have enough to retire?
No. It projects savings growth, but a full retirement plan also needs expected spending, taxes, fees, pensions, government benefits, life expectancy, and investment risk. The 4% result is only an illustration.
Are my financial inputs saved or uploaded?
No. The calculation runs in your browser tab, with no account or backend. Refreshing the page resets the example and clears the values you entered.
How we compare
Compared with NerdWallet Retirement Calculator and AARP Retirement Nest Egg Calculator using their publicly described features.
| Feature | Online Tool Store | NerdWallet | AARP Nest Egg |
|---|---|---|---|
| No sign-up required | Available Open and calculate | Available Calculator available | Available Calculator available |
| Current savings + recurring contributions | Available Monthly contributions | Available Monthly contributions | Available Savings inputs included |
| Inflation included in the projection | Available Today’s-money result | Available Adjustable assumption | Available Included in planning model |
| Works without salary or life-expectancy inputs | Available Savings assumptions only | Not available Uses income and life expectancy | Not available Uses income and retirement duration |
| Currency choices beyond USD | Available Seven currency formats | Not available Dollar-based interface | Not available Dollar-based interface |
| Direct annual contribution-growth control | Available Adjustable percentage | Not available Uses income-growth assumptions | Not available Uses income-based assumptions |
| Explicit local-only input promise | Available Inputs stay in this tab | Not available No equivalent promise stated | Not available No equivalent promise stated |
| Detailed spending and shortfall planning | Not available Focused nest-egg projection | Available Income and budget planning | Available Broader retirement planning |
Feature details checked August 2026; competitor tools may change.
For a fast, private nest-egg projection without salary or life-expectancy questions, Online Tool Store is the straightforward choice. A broader planner may suit you better when retirement spending, benefits, and funding shortfalls are the main questions.