Retirement Planner
Estimate your retirement nest egg based on monthly savings, rate of return, and years to retire.
100% client-side · no upload
Years to Retirement
Estimated Nest Egg
Total Invested (including starting balance)
Growth from Returns
How to use
- Enter your current age and the age you plan to retire.
- Enter your current retirement savings and your planned monthly contribution.
- Set the expected annual return — 7% is a common long-term stock market average.
Related tools
- Savings Goal Planner — short to medium-term savings
- Investment Return Calculator
- 401(k) Projection Calculator — with employer match
- Compound Interest Calculator
More ways to use this tool
Frequently Asked Questions
- Is this retirement planner free?
- Yes, completely free. No signup, no personal data required.
- Does my data leave my device?
- No. All calculations happen locally in your browser. Your financial figures are never uploaded.
- Does it work on mobile?
- Yes. The retirement planner is mobile-first and works on any modern smartphone browser.
- What return rate should I assume?
- 7% is a common long-term return assumption for a diversified stock portfolio. For a conservative estimate, use 5–6%. Subtract 2–3% for an inflation-adjusted real return.
- How is the nest egg calculated?
- The calculator compounds monthly: each month the balance grows by (balance × monthly rate) and your contribution is added. This simulates consistent monthly investing over the accumulation period.
Last updated: By jarvisbox