Retirement Savings Projector

SSA Member Tool

Retirement Savings Projector

Move the sliders to see how your retirement savings could grow. Try changing your start age or monthly savings, and watch what happens to the total.

Your age now

Age you plan to retire

Saved for retirement so far

$

You save each month

Your employer adds each month

Not sure? Check your pay stub or ask HR how your match works.

Add to your monthly savings each year

$0 +$10 +$25 +$50

Small raises each year add up. Try it and see.

Average yearly return

4% 6% 8%

6% is a middle-of-the-road guess. Real returns go up and down from year to year.

Show in today's dollars

Prices rise over time. This adjusts for 2.5% yearly inflation so you can see what the money might feel like today.

At 67, you could have about

$0

You put in

$0

Your employer put in

$0

Growth added

$0

The cost of waiting

Start now vs. wait

See it year by year

For illustration and education only. This is not investment, tax, or legal advice, and results are not guaranteed. Projections assume monthly deposits, a steady average yearly return compounded monthly, and no taxes, fees, or withdrawals. Real returns go up and down. The "wait" lines assume your current savings keep growing, but new monthly savings start later. Yearly contribution limits apply to retirement accounts.