Retirement Savings Calculator

Estimate your nest egg at retirement using monthly compounding, salary growth, employer match, and inflation. See an income estimate using a withdrawal rate.

Inputs

Current age

Retirement age

Current savings

Annual salary

Your contribution (% of salary)

Employer match rate (%)

Example: 50% match up to 6% of your salary.

Employer match cap (% of salary)

Expected annual return (%)

Salary growth (% per year)

Inflation (optional, %/year)

Withdrawal rate at retirement (%/year)

Contribution timing

All calculations run in your browser.

Results

Final balance (nominal)

Final balance (inflation-adjusted)

Total employee + employer

Total growth

Est. monthly income (nominal)

Est. monthly income (real)

Optional ad slot

Yearly breakdown

Year	Age	Start balance	Employee contrib	Employer contrib	Growth	End balance	End balance (real)

CSV export includes all years. This is an estimate, not financial advice.

Method

We model contributions monthly. Salary grows once per year. Employer match is calculated as match rate × min(your contribution %, match cap %) of salary. Returns compound monthly. Inflation uses standard deflation of end balances.