Retirement Planning

Use this calculator to build a simple estimate of how much capital regular investing may create before retirement. It is useful for checking whether your current contribution level is roughly in line with your long-term goal and for seeing how time does most of the heavy lifting. Before treating the result seriously, it is worth testing different return assumptions and contribution levels.

Current ageRetirement ageCurrent amountMonthly contributionAnnual return %Inflation %

Advanced

All-in annual drag % (fees)Tax drag %/year (approx)Contribution increase %/year

Yearly breakdown (CSV)

Assumptions

Constant return compounded monthly.
Inflation-adjusted value uses a constant annual inflation rate.
Net return is approximated as (return − drag − tax drag). If you set contribution growth, monthly contributions increase once per year.
Does not include taxes, broker fees, or ETF TER.