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
- In today's dollars
- $621,874.12
- Total contributions
- $260,000.00
- Investment growth
- $1,215,834.89
Contributions vs growth
- Contributions
- $260,000.0018%
- Growth
- $1,215,834.8982%
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.
- •U.S. SEC — retirement saving — SEC
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