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Project how much you could accumulate by retirement using compound interest. Choose your currency (USD, EUR, GBP, and 17+ more) and enter your current age, savings, monthly contributions, expected investment returns, and employer match to see year-by-year projections. Results include inflation-adjusted values and an estimated monthly retirement income based on the 4% safe withdrawal rule.
Total at Retirement
$1,933,978.16
Inflation-Adjusted
$814,922.44
In today's value
Monthly Income (4% rule)
$2,716.41
Inflation-adjusted
Your Contributions
$210,000
Employer Contributions
$105,000
Investment Gains
$1,568,978.16
| Age | Balance | Real Value |
|---|---|---|
| 30 | $62,963.16 | $61,427.47 |
| 31 | $76,863.43 | $73,159.72 |
| 32 | $91,768.55 | $85,216.22 |
| 33 | $107,751.16 | $97,617.23 |
| 34 | $124,889.16 | $110,383.82 |
| 35 | $143,266.06 | $123,537.88 |
| 36 | $162,971.43 | $137,102.2 |
| 37 | $184,101.31 | $151,100.52 |
| 38 | $206,758.66 | $165,557.53 |
| 39 | $231,053.92 | $180,498.95 |
| 40 | $257,105.48 | $195,951.6 |
| 41 | $285,040.32 | $211,943.4 |
| 42 | $314,994.56 | $228,503.47 |
| 43 | $347,114.2 | $245,662.16 |
| 44 | $381,555.77 | $263,451.12 |
| 45 | $418,487.12 | $281,903.36 |
| 46 | $458,088.25 | $301,053.33 |
| 47 | $500,552.14 | $320,936.97 |
| 48 | $546,085.75 | $341,591.77 |
| 49 | $594,910.99 | $363,056.89 |
| 50 | $647,265.81 | $385,373.19 |
| 51 | $703,405.37 | $408,583.33 |
| 52 | $763,603.25 | $432,731.85 |
| 53 | $828,152.85 | $457,865.3 |
| 54 | $897,368.74 | $484,032.26 |
| 55 | $971,588.26 | $511,283.48 |
| 56 | $1,051,173.11 | $539,671.99 |
| 57 | $1,136,511.16 | $569,253.19 |
| 58 | $1,228,018.3 | $600,084.96 |
| 59 | $1,326,140.49 | $632,227.78 |
| 60 | $1,431,355.95 | $665,744.86 |
| 61 | $1,544,177.45 | $700,702.25 |
| 62 | $1,665,154.82 | $737,168.99 |
| 63 | $1,794,877.65 | $775,217.25 |
| 64 | $1,933,978.16 | $814,922.44 |
The retirement savings calculator uses the compound interest formula to project your investment growth over time. Each month, your contributions and employer match are added to the balance, and investment returns are applied to the total. The calculator shows both nominal values and inflation-adjusted (real) values so you can understand your actual purchasing power at retirement.
The monthly income estimate is based on the 4% rule (also called the Trinity Study), which suggests that withdrawing 4% of your portfolio annually provides sustainable income for a 30-year retirement. For example, a $1,000,000 portfolio would provide approximately $3,333 per month. The estimate shown uses your inflation-adjusted balance for a more realistic figure.
Starting at age 30 with $50,000 in savings, contributing $500/month with a 50% employer match, at 7% annual returns and 2.5% inflation: by age 65 you could accumulate approximately $1.2 million (nominal) or about $650,000 in today's dollars. This would support an estimated $2,200/month in inflation-adjusted retirement income.
A common guideline is to replace 70–80% of pre-retirement income. The 4% rule suggests you can withdraw 4% of your portfolio annually; so for $3,333/month ($40,000/year) you need about $1,000,000 saved. Our calculator shows how current savings plus monthly contributions and employer match can grow to a target by retirement age.
The 4% rule (from the Trinity Study) suggests withdrawing 4% of your retirement portfolio in the first year, then adjusting for inflation. For example, a $1,000,000 portfolio would provide approximately $3,333 per month. Our calculator uses your projected inflation-adjusted balance to estimate sustainable monthly income. It is a guideline, not a guarantee — market returns and lifespan vary.
Employer match is free money that compounds over time. For example, contributing $500/month with a 50% match adds $250 from your employer — $750 total per month. Starting at 30 with $50,000 saved, that can mean roughly $200,000+ more at 65 compared to no match. Enter your match percentage and cap in the calculator to see the impact on your projections.
The earlier, the better: compound interest needs time. Starting at 30 with $50,000 and $500/month (50% match) at 7% returns can grow to about $1.2 million by 65. Starting the same plan at 40 yields significantly less. Even small amounts in your 20s or 30s have a large effect; use the calculator to compare starting ages.
At 7% annual returns over 35 years, $500/month alone grows to roughly $850,000 (nominal). With a 50% employer match ($750/month total) and $50,000 starting balance, you could reach about $1.2 million by 65 — or about $650,000 in today's dollars at 2.5% inflation, supporting an estimated $2,200/month with the 4% rule. Use the calculator for your age, match, and return assumptions.
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