Retirement Calculator

See what starting early could be worth by the time you retire.

By age 65, you could have

$532,845

that's 49 years of growth

Enter your details below and watch your money grow.

Your current age

Age you want to retire

How much do you have invested now?

How often do you contribute?

Contribution per month

Advanced settings

Expected annual return

Increase my contribution by each year

1%–2% a year is normal — think of it like a raise keeping pace with your contributions.

Glide pathYour return rate gradually drops over the last 15 years before retirement, like shifting from stocks into safer bonds.

Adjust for inflation

Monte Carlo scenariosRuns 300 randomized market simulations (assuming 15% annual volatility) and shows the 10th, 50th, and 90th percentile outcomes — the same percentile-based approach real retirement planning tools use.

One-time lump sums

A bonus, gift, or inheritance you plan to invest all at once — pick when you'll add it.

Customize by year

You put in

$29,400

Growth earned

$503,445

Invest $44 more a month to reach $1,000,000 by age 65.

Invest $420 more a month to reach $5,000,000 by age 65.

This is just an estimate based on a steady 9% return — real markets go up and down.