Long-term retirement projections hinge on compound growth over many years, where consistent monthly contributions combined with investment returns can grow to a much larger sum than the raw contributions alone — this calculator makes that growth visible.
Enter your current savings, planned monthly contribution, expected average annual return, and years until retirement, and the calculator projects your ending balance using monthly compounding, separating out how much came from your own contributions versus investment growth.
Since actual market returns vary year to year and this uses a constant assumed rate, treat the result as a simplified long-term estimate for planning purposes rather than a guaranteed outcome.
Because everything runs locally in your browser, results appear instantly and nothing you type or upload is ever sent to a server.
Bookmark this page if you expect to use this tool regularly — it loads fast and behaves the same way every time, with no account needed.
This kind of task shows up constantly in everyday writing, coding, design, and admin work, which is exactly why a dedicated, focused tool saves so much back-and-forth.
A tool that does one job well, without a cluttered interface or unrelated features competing for attention, tends to be faster to use than a heavier all-in-one app.
If you find yourself needing this conversion or calculation often, keeping this page open in a tab is usually faster than digging through a bigger software suite's menus.
Frequently asked questions
What return rate should I use?
Many long-term retirement projections use a historical average like 6-8% for a diversified stock portfolio, though actual future returns are never guaranteed and vary significantly year to year.
Does this account for inflation?
No, this shows nominal future dollars; for a more realistic sense of purchasing power, you'd separately adjust the result down for expected inflation over the same period.