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Retirement

Retirement Calculator

Project your retirement balance from your current savings, monthly contributions, and expected return — and see what it's worth in today's dollars after inflation.

Your details

Balance at retirement
$1,475,834.89
In today's dollars
$621,874.12
Total contributions
$260,000.00
Investment growth
$1,215,834.89

Contributions vs growth

$1.5MTotal
Contributions
$260,000.0018%
Growth
$1,215,834.8982%
Balance at retirement$1,475,834.89

Formula

Future value = current savings compounded monthly, plus the future value of your monthly contributions. The real (today's-dollars) balance divides that by (1 + inflation) raised to the number of years.

Frequently asked questions

Why show a balance in today's dollars?⌄

A million dollars in 35 years buys far less than a million today. The real balance deflates the nominal projection by expected inflation so you can judge its true purchasing power.

What inflation rate should I use?⌄

The long-run US average is roughly 2.5–3%. The default of 2.5% is a reasonable starting point; adjust it to your own assumptions.

Sources & methodology

Assumes a constant return with monthly compounding, plus an inflation adjustment for the real balance. Does not model taxes or market volatility.

Last updated: 2026-07-20

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