Compounding contract
Annual real return is converted to an equivalent monthly rate: (1 + annual real return)^(1/12) − 1. Contributions occur at month-end. At 0% real return, contribution growth reduces to contribution × months.
Private retirement scenario
Project one retirement path without country presets or promises.
Work entirely in today’s purchasing-power terms. Enter a real annual return after inflation, fees and tax, choose your own withdrawal assumption, and show where each assumption came from.
No country rate presetsNo “safe” rate recommendationNo AI or network sendLocal CSV, JSON and PDF
Today-money projection
Target fund—
Projected fund—
Surplus / gap—
Required monthly contribution—
Annual spending capacity—
Target crossing—
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Evidence context
Investor.gov’s savings-goal calculator likewise separates initial investment, monthly contribution, years and estimated rate. Its inputs do not validate your assumptions. Investor.gov defines real return after taxes and inflation.
Privacy and decision boundary
No input is stored, placed in a URL, sent to analytics, AI or an API. Confirm pension statements, tax treatment, fees, benefit access, inflation basis and investment assumptions with current official/provider documents and a qualified adviser.