Project portfolio value at retirement from savings, contributions, return, and horizon. Fully client-side — no account, uploads, or remote storage.
Added Apr 18, 2026 · Updated May 1, 2026
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Enter a value for current savings to see your result.
Projects your retirement savings balance based on your current nest egg, monthly contributions, expected annual return, and years until retirement. Uses the future value formula for compound interest with regular contributions. This is an illustrative projection, not a financial guarantee.
FV = PV·(1+r)ⁿ + PMT·((1+r)ⁿ − 1)/r
Starting with $25k and contributing $500/month at 7% return, you'd have roughly $787k after 30 years — of which $582k is investment growth.
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7% is a common estimate for a diversified stock portfolio (US market historical average inflation-adjusted). Conservative investors might use 5–6%; aggressive assumptions might use 8–10%. Actual returns vary significantly year to year.
No. To account for inflation, subtract the expected inflation rate from your expected return. For example, if you expect 7% returns and 3% inflation, use 4% as your real return.
Reduce the monthly savings needed once you know a reliable after-tax income floor, or run two scenarios (with and without benefits) to see sensitivity. Benefits rules change; keep a conservative buffer.
This projection is smooth compounding. In reality, a bear market right before withdrawals can permanently lower sustainable income. Holding a larger cash/bond glide path the last 5–10 years mitigates that risk.