Estimate your nest egg at retirement using monthly compounding, salary growth, employer match, and inflation. See an income estimate using a withdrawal rate.
This tool projects your retirement balance by month between today and your target retirement age. It combines your current balance, a contribution rate from your salary, an employer match with a cap, expected investment returns, salary growth, and inflation. The model compounds returns monthly and raises salary once per year. Results include both nominal dollars and inflation-adjusted dollars so you can see today’s purchasing power. We also estimate a retirement income using a withdrawal rate you control.
If you’re exploring savings scenarios, pair this page with the Compound Interest Calculator for pure growth math, and the Federal Tax Calculator to sense-check after-tax income that might affect contributions. Students or early-career users might also like our Percentage Calculator for quick contribution math.
| Year | Age | Start balance | Employee contrib | Employer contrib | Growth | End balance | End balance (real) |
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CSV export includes all years. This is an estimate, not financial advice.
Need a refresher on growth math? Try the Compound Interest Calculator. Estimating take-home pay for contribution capacity? Use the Paycheck Calculator.
Final balance (nominal vs real). Nominal is the raw dollar amount at retirement. Real adjusts for inflation using the rate you enter. If inflation is 0, both lines are identical.
Total employee + employer. This is every dollar you and your employer put in. “Total growth” is the difference between the final balance and all contributions (including your current balance), driven by compounding.
Estimated monthly income. We multiply the final balance by your withdrawal rate and divide by 12. This is a planning heuristic, not a guarantee. Many people start with 4% and then adjust up or down based on risk, flexibility, and other income sources.
Yearly breakdown. The table shows contributions and growth for each year and the ending balances in both nominal and real terms. It’s handy for sanity checks: if a year looks off, verify your rates and timing.
Most contributions happen on a monthly or per-pay basis. Monthly compounding strikes a balance between realism and speed without adding complexity or external libraries.
We compute your monthly contribution from salary × your rate. The employer adds match rate × min(your rate, match cap) × salary, spread monthly. So a 50% match up to 6% adds 3% of salary when you contribute 6% or more.
It deflates ending balances and the income estimate using the annual inflation rate you enter, so “real” values reflect today’s purchasing power.
This tool focuses on growth mechanics. If you want to stress-test after-tax savings capacity, combine it with the Paycheck Calculator and your actual plan limits.
No. It’s an educational estimate to help you plan scenarios. Consider talking with a fiduciary advisor for personalized guidance.