Retirement Calculator
Estimate how much you will have at retirement from your current savings, monthly contributions and a return rate. It runs in your browser.
Also searched as: retirement savings calculator · retirement planning calculator · pension calculator
Updated November 9, 2026
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How to use it
- 1
Enter your savings
Current savings and what you add each month.
- 2
Add return and years
An expected yearly return and years until retirement.
- 3
See the estimate
The total at retirement, the growth and what you put in.
Questions about retirement calculator
Does it account for inflation?
No. The figure is in today’s money before adjusting for inflation.
What return should I use?
A long-term average for your investments; lower it to be cautious.
Is my information private?
Yes. It is worked out on your device.
What the estimate includes
Your current savings grow at the yearly return you enter, compounded monthly, and your monthly contribution is added at the end of each month. The tool shows the final total, how much of it is growth and how much you paid in. It does not adjust for inflation, fees or tax. The table shows the total from 20,000 saved today plus 500 a month.
| Years | 4% a year | 6% a year | 8% a year |
|---|---|---|---|
| 10 | 103,442 | 118,328 | 135,866 |
| 20 | 227,839 | 297,225 | 393,046 |
| 30 | 413,295 | 622,709 | 963,894 |
Reading the result in today’s money
The total is in future money, and prices rise over the years. To get a rough idea of what it would buy in today’s money, enter a return that is after inflation. A 6% return with 2% inflation is roughly 4%, and the same savings then reach about 413,295 after 30 years instead of 622,709. Fund fees work the same way, so a 1% fee lowers the return you should enter by about one percentage point.
Time matters more than most other choices. At 6%, the same 500 a month grows to about 297,225 over 20 years and 622,709 over 30, because the extra ten years of growth is added on top of the extra contributions.
Markets do not return a steady rate, so try a cautious figure as well as a hopeful one. The result is an estimate for planning and not financial advice.