403(b) Calculator
403(b) growth.
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Retirement
Retirement Savings Calculator
Project your retirement balance from savings and contributions.
At retirement
—
Projected balance.
| You contribute | — |
|---|---|
| Investment growth | — |
| Starting balance | — |
| Years | — |
Show our math
Enter your figures above to see the step-by-step working.
Everything computed client-sideEverything computed client-side — nothing leaves this page
How the Retirement Savings Calculator Works
This projects your retirement balance by compounding your current savings and monthly contributions at an assumed annual return. Each month the balance grows a little and your contribution is added, so the total snowballs. $50,000 today plus $500 a month at 7% for 25 years grows to over $650,000 — and most of that is investment growth, not your deposits.
Returns aren’t guaranteed and inflation reduces future buying power, so treat the figure as a planning estimate. The biggest lever is usually time: starting earlier beats saving more later.
future value = balance compounded + contributions compounded
Frequently Asked Questions
How much will my retirement savings grow?
It depends on your balance, contributions, return and years. $50k plus $500/mo at 7% for 25 years is over $650k.
What return should I assume?
A diversified stock-heavy portfolio has historically averaged around 7% after inflation, but future returns vary.
Why does starting early matter so much?
Compounding builds on itself, so early contributions have far more time to grow than later ones.
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