The retirement calculator below, from The Finance Reveal, projects what your savings could grow to by the day you stop working. Enter your age, your planned retirement age, what you have saved, your monthly contribution, and an expected return, and it shows the projected total split into your contributions and their growth.

Using the projection honestly

Choose a conservative return rather than a hopeful one, and treat the result as a compass, not a promise: markets vary, and the projection assumes steady contributions and steady returns. Compare the figure against the target our retirement planning guide helps you set, roughly twenty-five times the annual income you want your savings to provide.

The lever that matters most

Rerun the projection with a slightly higher monthly contribution or an earlier start, and watch the growth slice swell: time and consistency, not brilliance, are the engine, exactly as our retirement pillar argues. Where an employer match exists, capture it first; it is the one contribution that doubles on arrival.

Frequently asked questions

What return should I assume?

A conservative long-term figure, below historical stock averages, keeps the plan honest. Optimistic assumptions produce comfortable projections and uncomfortable retirements.

Does this account for inflation?

No, the projection is in future money. To think in today’s terms, use a return reduced by expected inflation, or sanity-check with our inflation calculator.

Is the projection enough to retire on?

Divide it by twenty-five for a rough sustainable annual income and compare that against your expected spending, alongside any pension. The planning guides walk the full check.

Related calculators and guides

The compound interest calculator handles any horizon, and the savings goal calculator paces a specific target. Strategy lives in Retirement, and all tools in Financial Tools.