How this calculator works & sources ↓
Estimate your projected balance at retirement based on steady monthly contributions and an assumed annual return.
Switching region updates the currency and swaps in typical starting figures for that country — every number stays fully editable.
Estimate what your retirement account could grow to, based on steady monthly contributions and an assumed annual return.
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Get the free checklist →It gives a straightforward projection based on the contribution and return rate you enter. Actual results depend on market performance, fees, and any changes to your contributions along the way, so treat it as a planning estimate rather than a guarantee.
There is no single appropriate return assumption. Try a range of hypothetical rates rather than treating one figure as expected. Actual returns depend on what you hold, market performance, fees and other factors, and can be negative.
Not directly. If you enter a real (inflation-adjusted) return rate, the result is roughly in today's spending power; if you use a nominal rate, the balance shown is in future, uninflated dollars.
If you want the illustration to include employer contributions, include them in the contribution figure. Check your scheme terms for the actual amount and conditions.
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Projects savings over time using assumed contributions, growth and withdrawals. Inflation, taxes, investment volatility and pension rules can materially change outcomes.
Sources and further reading: MoneyHelper pensions