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Retirement Projection

Project your retirement balance based on current savings, monthly contributions, and expected return. Shows both nominal and inflation-adjusted values.

Current Age

Target Retirement Age

Current Retirement Balance ($)

Monthly Contribution ($)

Expected Annual Return (%)

Inflation Rate (%, optional)

Limitations: Expected return is an assumption, not a guarantee. Real-world returns vary widely year to year. Does not model: Social Security, pension income, withdrawal taxes (401k vs Roth), changes in contribution over time, or sequence-of-returns risk in early retirement.

What to do next: For a ballpark, a historical all-stock portfolio has averaged ~7% real return. Most planners recommend a target of 25× annual spending at retirement (the "4% rule"). Use this tool for direction, not destination — talk to a CFP before making big decisions.

This is an educational projection, not personal financial advice. Consult a certified financial planner for your specific situation.