How the Retirement Savings Calculator works

Project retirement savings growth and future income needs.

Show the math

Formula

Future value = P × (1 + r)^n + PMT × [((1 + r)^n − 1) / r] where P = current savings, PMT = annual contribution, r = annual return, n = years.

Inputs

Current savings
Annual contribution
Expected annual return (%)
Years to retirement

Rates, terms, and payments are illustrative estimates, not a quote or a commitment to lend. Not a substitute for underwriting. Equal Housing Lender. See our licensing and disclosures page.

For AI agents: Markdown version of this calculator.

Terms used in this calculator

Not sure what one of these means? Each links to a full definition.

ROI (Return on Investment): Total return relative to what was invested, usually including cash flow, principal paydown, and appreciation.
CAGR (Compound Annual Growth Rate): The smoothed annual rate at which a value would have grown to reach its ending amount over a period.
Appreciation: An increase in a property’s value over time, from market movement or from improvements made to it.

Browse the full real estate glossary

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Personal Information

Current Age

Retirement Age

Life Expectancy

Current Financial Status

Current Savings

Annual Income

Annual Expenses

Real Estate Investments

Current Real Estate Value

Annual Real Estate Income

Annual Real Estate Expenses

Real Estate Appreciation

Investment Strategy

Monthly Contribution

Investment Return

Inflation Rate

Retirement Goals

Desired Retirement Income

Social Security Income

Other Income

How the Retirement Savings Calculator works

Project retirement savings growth and future income needs.

Show the math

Formula

Future value = P × (1 + r)^n + PMT × [((1 + r)^n − 1) / r] where P = current savings, PMT = annual contribution, r = annual return, n = years.

Inputs

Current savings
Annual contribution
Expected annual return (%)
Years to retirement

Rates, terms, and payments are illustrative estimates, not a quote or a commitment to lend. Not a substitute for underwriting. Equal Housing Lender. See our licensing and disclosures page.

Terms used in this calculator

Not sure what one of these means? Each links to a full definition.

ROI (Return on Investment)

Total return relative to what was invested, usually including cash flow, principal paydown, and appreciation.

CAGR (Compound Annual Growth Rate)

The smoothed annual rate at which a value would have grown to reach its ending amount over a period.

Appreciation

An increase in a property’s value over time, from market movement or from improvements made to it.

How the Retirement Savings Calculator works

Formula

Inputs

Terms used in this calculator

Retirement Planning Calculator

Enter Your Information

Personal Information

Current Financial Status

Real Estate Investments

Investment Strategy

Retirement Goals

How the Retirement Savings Calculator works

Formula

Inputs

Terms used in this calculator

Retirement Planning Calculator

Enter Your Information

Personal Information

Current Financial Status

Real Estate Investments

Investment Strategy

Retirement Goals