Retirement Calculator
Estimate the size of your retirement nest egg. Enter your current savings, how much you add each month, an expected annual return and the years until you retire to project your balance at retirement and how much of it is investment growth.
How to use it
Enter your current savings, your monthly contribution across all retirement accounts, an expected annual return, and the years until retirement. The calculator projects your balance at retirement, separates your contributions from compound growth, and charts the climb.
Because retirement horizons are long, compounding does the heavy lifting — starting earlier or adding a little more each month can change the outcome by a lot. Run a few scenarios to see how sensitive the result is to your savings rate and time.
Frequently asked questions
How much do I need to retire?
A common rule of thumb is to aim for savings around 25× your expected annual spending, but your number depends on your lifestyle, other income like Social Security, and how long you expect retirement to last. Use this tool to see if your current pace gets you there.
What return should I use before retirement?
Many people model a diversified portfolio at mid-to-high single digits while working, shifting more conservative near retirement. Returns vary year to year and aren't guaranteed — keep your estimate realistic.
Does this include Social Security or pensions?
No. It projects only the savings you enter. Treat any pension or Social Security as additional income on top of the balance this calculator shows.
BriskToolbox provides estimates for general information only and is not financial advice. Investment returns are not guaranteed.