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United States Retirement Savings Calculator

Free United States retirement savings calculator with country-specific defaults and clear step-by-step results.

About United States Retirement Savings Calculator

Projects retirement savings from current savings and monthly contributions compounded monthly at an assumed annual return.

Formula

Formula

FV = PV(1+i)^n + PMT × ((1+i)^n − 1)/i

Worked example

With the default values below, United States Retirement Savings Calculator returns Projected Savings at Retirement of $1,020,842. Change any input above and every figure here is recalculated in your browser.

Inputs used

Current Ageaccepts 18–70
30
Retirement Ageaccepts 30–80
65
Monthly Contributionminimum 0 USD
500 USD
Annual Returnaccepts 0–30 %
7 %
Current Savingsminimum 0 USD
10,000 USD

Results

Projected Savings at Retirement
$1,020,842
Total Contributions
$220,000
Investment Growth
$800,842

Step by step

  1. 1Values used
  2. 2Formula
  3. 3Projected Savings at Retirement= $1,020,842
  4. 4Total Contributions= $220,000
  5. 5Investment Growth= $800,842

Assumptions and limits

  • The result is derived only from the 5 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax or fees or charges into account.
  • Figures are rounded for display to whole numbers, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Assumes a constant real return — actual markets fluctuate and inflation will reduce purchasing power.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Assumes a constant real return — actual markets fluctuate and inflation will reduce purchasing power.

Frequently Asked Questions

How does this calculator work?

Projects retirement savings from current savings and monthly contributions compounded monthly at an assumed annual return.

Are the figures specific to United States?

Even rough projections reveal whether today's saving rate is on track for the retirement you want.

Related Calculators

United States specifics

Currency
$ USDUS Dollar
Region
North America
Country code
US
Amounts look like
$1,234,567.89
Dates look like
Mar 9, 2026
Units
imperialWeek starts Sunday

In United States, imperial units are in everyday use.

Results on this page are expressed in USD (US Dollar). Figures are estimates for general planning — confirm current rates and thresholds with the relevant United States authority before relying on them.

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United States Retirement Savings Calculator | Calcrivo