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Retirement savings calculator

See how today’s savings and monthly contributions could grow by retirement. Adjust inflation, fees and your return assumption.

At 65 you’d have USD 129,805

Total savings added
USD 205,000
Gain or loss after inflation and fees
-USD 75,195

Age 65USD 129,805

Drag across the graph, or focus it and use the arrow keys, to read any year. The year-by-year figures are below.

See the year-by-year figures
USD · Today’s money
AgeSavings balance
35USD 25,000
36USD 30,191
37USD 35,231
38USD 40,125
39USD 44,876
40USD 49,488
41USD 53,966
42USD 58,314
43USD 62,535
44USD 66,633
45USD 70,612
46USD 74,474
47USD 78,225
48USD 81,866
49USD 85,401
50USD 88,833
51USD 92,165
52USD 95,400
53USD 98,541
54USD 101,590
55USD 104,551
56USD 107,425
57USD 110,216
58USD 112,925
59USD 115,555
60USD 118,109
61USD 120,589
62USD 122,996
63USD 125,333
64USD 127,602
65USD 129,805

Your numbers

Today
While you save
Return, inflation and fees0% return · 3% inflation · 0% fee

All money inputs are in today’s purchasing power. Monthly savings, spending and other income rise with your inflation assumption. Returns are annual effective rates before the asset fee. They stay constant in this illustration.

Illustrative amounts in today’s money. Nothing you type leaves this page.

How to use this calculator

  1. Enter your age and what you have saved so far.
  2. Add the age you plan to retire at and how much you save each month.
  3. Open “Return, inflation and fees” to set your own assumptions. Returns start at 0%, so the first result shows what saving alone does.
  4. Drag across the graph to read your balance at any age.

How to read the result

The headline is your balance at retirement in today’s money, so you can compare it with prices you know. “Gain or loss after inflation and fees” is what your savings gained or lost in purchasing power on top of what you put in.

What the graph leaves out

This is an educational scenario, not investment advice or a promise. It does not model market volatility, the order of good and bad returns, taxes, exchange rates, public pension eligibility, one-off expenses or changing spending needs. A smooth line can hide the risk of running out sooner. Try lower returns and a longer retirement.

Method, formula and sources

The model runs month by month. Savings are added at month-end; retirement withdrawals happen at month-start. The annual return, asset fee and inflation become one monthly real growth factor. Balances stop at zero, and an unmet withdrawal is recorded as a shortfall.

Monthly real factor = ((1 + return) × (1 − fee) ÷ (1 + inflation))^(1/12). Rates use decimals. During saving: next balance = balance × factor + contribution. During retirement: next balance = max(0, balance − withdrawal) × factor.

Sources checked 7 October 2026. The calculation uses your assumptions, not live market data.