US Retirement Calculator
Estimate how your savings could grow, compare retirement ages, and see how inflation may affect your future purchasing power.
Your information
Your estimate
Savings growth over time
Illustration based on a constant assumed return; actual returns vary.
Compare retirement ages
Each age uses the same starting savings, monthly contribution, return, and inflation assumptions.
| Retirement age | Years to save | Total invested | Estimated balance | Today's dollars |
|---|
Retirement income gap
This compares only the income amounts you entered. It does not calculate a safe withdrawal from your investments.
Results are projections based on your assumptions, not guarantees. Real investment returns vary. Taxes, fees, changing contributions, and withdrawal strategy are not included. Social Security benefits depend on your earnings record and claiming age; check your estimate with the Social Security Administration.
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Use this free retirement savings calculator to test how your current savings, monthly contributions, expected investment return and retirement age may affect your projected balance. Compare different retirement dates and consider how inflation changes the purchasing power of future savings.
Does this calculator estimate my Social Security benefit?
No. The projection does not retrieve your Social Security earnings record or calculate an official benefit. For a personalised estimate, use the Social Security Administration benefit calculators. You can then use an estimate from SSA as part of your wider retirement income plan.
How should I use the retirement age comparison?
Try more than one retirement age and compare the projected savings. A later retirement date may allow more time for contributions and investment growth, while an earlier date may mean fewer contribution years and a longer period in retirement. Actual results depend on your circumstances and market returns.
What is not included in the estimate?
The projection is educational and does not model every tax rule, investment fee, withdrawal strategy, healthcare cost or Social Security eligibility detail. Investment returns are assumptions, not guarantees. Review the assumptions and consider qualified financial or tax advice before making decisions.