Retirement CalculatorSecure Your Future
Discover how much you need to save for retirement. Our calculator uses conservative, historical investment performance to project your potential savings across different plan types.
Power of Compound Interest
Compound interest is often called the "eighth wonder of the world." It's the process where your investment earnings generate their own earnings over time.
1Start Early, Benefit More
Someone who starts investing at 25 could have significantly more than someone who starts at 35, even if they invest the same amount monthly.
2Time is Your Greatest Asset
The longer your money stays invested, the more time it has to grow exponentially through compound interest.
3Small Amounts Add Up
Even modest monthly contributions can grow into substantial savings over 30-40 years of compounding.
Example: The Power of Starting Early
Assumes 7% average annual return. For illustrative purposes only.
Select Your Retirement Plan Type
401(k) Plan
Employer-sponsored retirement plan for private sector employees
Eligibility: Private sector employees whose employers offer a 401(k) plan
Live Economic Indicators
Fed Funds Rate
3.63%
Federal Reserve target rate
Inflation (CPI)
4.17%
Year-over-year consumer prices
10-Year Treasury
4.55%
Safe return benchmark
FRED (Federal Reserve Economic Data) • Updated: 6/12/2026
Ready to plan your future?
Use our calculator to compare retirement plans and see your projected growth with 2026 IRS limits.
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