Retirement calculator
Future nest egg from savings and contributions; optional inflation.
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About Retirement calculator
Project retirement savings from current balance, regular contributions, expected return, and years — with optional inflation.
Retirement planning pages often bury a simple idea under account openings. Future value of what you already have, plus future value of what you keep adding, at an assumed return, for a number of years. That is the core. This page runs that growing-annuity math offline.
Enter current savings, contribution amount and frequency, expected annual return, and years until you need the money. An optional inflation toggle discounts the ending figure toward today’s purchasing power so a large nominal number does not fool you.
This is not advice, a Monte Carlo simulator, or a tax-advantaged account picker. Markets will not return your assumed rate in a straight line. For a lump sum without deposits, compound interest is enough. For a snapshot of assets versus debts today, use net worth.
How to use Retirement calculator
- 1Enter current savings, contribution, contribution frequency, expected return, and years.
- 2Optionally enable inflation adjustment and set an inflation rate.
- 3Read projected balance (and inflation-adjusted value when enabled).
What it won't do
- Constant expected return — no sequence-of-returns risk.
- No tax brackets, RMDs, or employer match rules.
Common questions
Is this retirement calculator financial advice?
No. It is arithmetic under assumptions you type. A planner, tax rules, and real portfolio risk are outside the page.
Does it model Social Security or pensions?
No. Those are separate income streams. You can mentally add them after you see the savings projection.
How does the inflation toggle work?
It discounts the nominal future balance back using the inflation rate you enter, so you can read an approximate amount in today’s dollars.
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Why this one doesn't upload your file
There is no server to upload to. This page is a static file, and the work happens in your browser using the same graphics and WebAssembly code that renders every other site you visit. Your file is read from disk into memory, processed, and handed back as a download. Once the page has loaded you can disconnect from the network entirely and it keeps working. The longer explanation