Retirement Savings Calculator
Project your retirement savings from current balance, monthly contributions, annual return and years. See the future value split into contributions and growth.
Year-by-year projection
| Year | Contributed | Balance |
|---|---|---|
| 1 | $6,000 | $32,710 |
| 2 | $12,000 | $40,895 |
| 3 | $18,000 | $49,585 |
| 4 | $24,000 | $58,811 |
| 5 | $30,000 | $68,606 |
| 6 | $36,000 | $79,006 |
| 7 | $42,000 | $90,046 |
| 8 | $48,000 | $101,768 |
| 9 | $54,000 | $114,212 |
| 10 | $60,000 | $127,425 |
| 11 | $66,000 | $141,452 |
| 12 | $72,000 | $156,344 |
| 13 | $78,000 | $172,155 |
| 14 | $84,000 | $188,940 |
| 15 | $90,000 | $206,762 |
| 16 | $96,000 | $225,682 |
| 17 | $102,000 | $245,769 |
| 18 | $108,000 | $267,096 |
| 19 | $114,000 | $289,737 |
| 20 | $120,000 | $313,776 |
| 21 | $126,000 | $339,296 |
| 22 | $132,000 | $366,391 |
| 23 | $138,000 | $395,157 |
| 24 | $144,000 | $425,697 |
| 25 | $150,000 | $458,121 |
| 26 | $156,000 | $492,545 |
| 27 | $162,000 | $529,092 |
| 28 | $168,000 | $567,893 |
| 29 | $174,000 | $609,087 |
| 30 | $180,000 | $652,822 |
Assumes a steady return with monthly compounding; real markets vary year to year. Excludes inflation, taxes and fees. Estimates only, not financial advice.
What is the Retirement Savings Calculator?
The ByteTools Retirement Savings Calculator projects how large your nest egg could grow by the time you retire.
- Projects a future balance from savings, contributions and return
- Splits the result into contributions versus investment growth
- Year-by-year table showing compounding over time
- Handles any contribution amount and time horizon
- Any currency symbol, calculated locally with no live data
- Private and free; a steady-return illustration, not advice
How to use the Retirement Savings Calculator
- 1
Select your currency and enter your current retirement savings.
- 2
Enter your monthly contribution amount.
- 3
Enter an expected average annual return as a percentage.
- 4
Set the number of years until you retire.
- 5
Read the projected balance, total contributions and growth, plus the year-by-year table.
About the Retirement Savings Calculator
The ByteTools Retirement Savings Calculator projects how large your nest egg could grow by the time you retire. Enter your current savings, monthly contribution, expected annual return and the number of years until retirement, and it shows the projected balance along with how much of it comes from your contributions versus investment growth.
It is built for anyone planning ahead — early savers, mid-career professionals and people checking whether they are on track. A year-by-year table shows the balance climbing, so you can see the powerful effect of compounding over a long horizon.
Returns are assumed to be steady, which real markets are not, so treat the projection as an illustration rather than a guarantee. Everything runs locally in your browser with nothing uploaded, and the results are estimates for planning only, not financial advice.
Frequently asked questions
How much will my retirement savings grow?
Your future balance depends on your starting amount, how much you add each month, the return you earn and how many years it compounds. This calculator applies your inputs with monthly compounding and shows the projected total, then splits it into the money you contributed and the growth it earned.
What return should I assume for retirement?
There is no guaranteed figure, but many long-term planners use a conservative average in the region of 4–7% after inflation for a diversified portfolio. Because returns vary year to year, try a range of rates to see how sensitive your projection is rather than relying on a single optimistic number.
Why do contributions matter more early on?
Money invested earlier has more years to compound, so early contributions typically grow into a larger share of the final balance than later ones. Starting sooner, even with smaller amounts, often beats starting later with bigger contributions.
Does this account for inflation or taxes?
No. The projection uses the return you enter and does not adjust for inflation, taxes or fees. To think in today's money, enter a lower real return, and remember that withdrawals and account types may be taxed differently.
Is my information private?
Yes. All calculations run in your browser and nothing is uploaded or stored, so your savings and contribution details stay private on your device.
Guides for Retirement Savings Calculator
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