Free tool

Retirement Calculator

Project how your current savings and monthly contributions could grow between now and your target retirement age.

Adjust your age, contributions, and expected return to see how small changes compound over decades.

An older couple reviewing their retirement plans at home
$
$
%
Projected balance at 65$893,014
Years until retirement35
Total contributions$183,000
Total growth$710,014
GrowthContributions
$15,000
$34,466
$58,466
$88,056
$124,539
$169,519
$224,977
$293,351
$377,652
$481,589
$609,736
$767,731
$893,014
Age 30
Age 39
Age 48
Age 57
Age 65

This calculator is for educational purposes only and does not constitute financial advice. Results are illustrative and based on the inputs selected. Figures are shown in nominal terms and do not account for inflation, state or employer pensions, other retirement income, fees, or taxes. Actual results may vary, and Finelo does not guarantee any retirement outcome.

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Frequently asked questions

What return rate should I assume for retirement planning?
There is no single return rate that is appropriate for retirement planning. The selected rate is an assumption, not a prediction or recommendation. Try several rates to compare different scenarios — actual returns may vary and may be negative.
Does this calculator include state or employer pensions?
No. This calculator only projects the growth of the personal savings and contributions you enter. It does not include state or employer pensions or other retirement income sources.
How much should I contribute monthly for retirement?
There is no single contribution level that is appropriate for everyone — it depends on your age, current savings, retirement age, and goals. Use the calculator to compare different contribution amounts and see how they affect the projected balance.
Why does starting early make such a big difference?
The earlier you start, the more years your contributions have to compound. Money invested in your 20s and 30s has decades to grow, while the same contribution made later has less time to benefit from compounding — even at the same rate of return.

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