Retirement Savings Calculator
Enter how much you save each month, the expected annual return, and the number of years. See the future value of your savings. Useful for 401k, IRA, or general retirement planning.
Future value of monthly savings
Enter values to calculate.
How it works
We use the future value of an annuity: FV = Pmt × [(1+r)^n − 1] / r, where Pmt is the monthly deposit, r is the monthly rate, and n is the number of months. Assumes constant monthly deposit and rate.
When to use it
Use it to set a savings target, to see the impact of increasing contributions, or to compare different return assumptions.
Frequently asked questions
What return rate should I use?
Historical long-term stock returns are often cited around 7–10%; use a conservative rate for planning.
Does this include employer match?
Add employer match to your monthly deposit if you want it included.