Project the nest egg you will have when you retire.
Future value combines compound growth of current savings (P(1+r)^t) with the future value of monthly contributions: PMT × [((1+r)^n − 1) / r].
$50,000 saved plus $500/month at 7% for 30 years projects to roughly $822,000.
A diversified stock-and-bond portfolio historically averages about 6–7% after inflation. Use a conservative figure for planning so you do not under-save.
Use an inflation-adjusted return rate to see real (today's) dollars, or a nominal rate to see future dollars. The calculator does not adjust automatically.
Regular contributions compound from the moment they are invested and often outweigh the starting balance over long horizons.
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