Estimate whether your current savings path is likely to meet retirement funding goals.
Overview
Retirement planning requires decades of disciplined assumptions, not short-term guesswork.
This calculator projects accumulation from current assets and ongoing contributions.
It can reveal contribution gaps early, when adjustments are still manageable.
Run conservative return and higher inflation scenarios for safety.
Steps
Use combined value across retirement accounts.
Add employer match if applicable.
Use long-term realistic assumption.
Choose expected retirement age horizon.
Compare projected amount with required retirement target.
Math
FV = PV(1+r)^n + PMT[((1+r)^n - 1)/r]
Retirement corpus projection combines growth of existing assets and future contributions.
Worked cases
Project future value with annual compounding.
Shows expected retirement corpus under baseline assumptions.
Run new projection with higher PMT.
Higher savings rate substantially improves end corpus.
Recompute with lower return.
Highlights risk of optimistic assumptions.
Why use this
Questions