Personal tax / Free financial tools

Retirement Savings Projection Calculator

Project monthly savings and employer contributions, with a comparison in today's dollars.

USD • Planning model · Instant results · No sign-up

Enable JavaScript to use this interactive calculator. The calculation method and assumptions are explained below.

How this calculator works

The projection converts effective annual return to a monthly rate, compounds the opening balance, and adds monthly end-of-period contributions. The inflation-adjusted result divides the future balance by cumulative assumed inflation.

Planning estimate only. Review the assumptions alongside the result before using it for a tax, financing or business decision.

Common questions

Does this check retirement contribution limits?

No. Plan eligibility, contribution caps, catch-up amounts and tax deductibility are not evaluated.

Are the projected returns guaranteed?

No. Use scenario comparisons for lower and higher returns. Fees, market volatility and future withdrawals can materially change outcomes.

Put your numbers into context.

A calculator can help you ask better questions. Tell ZTax what you are planning and we will discuss the records, scope and support you need.

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