Retirement Savings Calculator
Project your retirement nest egg from recurring monthly contributions, compounded over the years ahead.
What you have saved today.
Illustrative only — returns vary and aren't guaranteed.
Projected nest egg
$1,178,889.23Total contributed
$313,000.00Growth earned
$865,889.23The compounding, on top of what you put in
Private — runs entirely in your browser. Nothing is sent or stored.
This tool is for education and planning only. It is not financial advice. Your inputs run in your browser and are not stored by Recurrings.
A decades-long recurring habit
Retirement saving is the longest-running recurring contribution most people make — and the one where time matters most. Enter what you have today, what you add each month, and the years until you retire to project the balance compounding can build.
A deliberate omission: this doesn't apply contribution limits, which differ by account and change over time. It's a general projection of how a recurring contribution grows — check current limits at irs.gov before planning around any specific account.
How this fits into your recurring money
A retirement contribution is recurring money pointed at your future self. Like every recurring habit, its power is consistency — and its enemy is everything else competing for the same monthly dollars.
That's the link Recurrings makes plain: the unused subscriptions, the quiet price increases, the duplicate tools — every dollar reclaimed from recurring waste is a dollar that can compound toward retirement instead.
The math
nest egg = PV·(1+i)^n + PMT·[ ((1+i)^n − 1) / i ]
i = annual return ÷ 12, n = years × 12Your current savings grow for the full horizon, and each monthly contribution grows for the months that remain. The total is the projected balance — most of which, over decades, is growth rather than contributions.
A projection, not a promise: real returns vary and the figure ignores inflation, taxes, and fees, so true spending power is lower. Not financial advice.
Common questions
Does this account for contribution limits?
No — it's a general projection of how recurring contributions grow, so it works for any account. Tax-advantaged accounts have annual limits that change over time; check current limits at irs.gov before you plan around them.
What return should I use?
Long horizons can justify a higher assumption, but be conservative — and remember the figure ignores inflation, taxes, and fees, so the real spending power is lower than the headline number.
Is this financial advice?
No. It's an illustration of compounding to help you picture the impact of a recurring contribution. For decisions about your retirement, talk to a qualified advisor.
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Retirement is one recurring habit
It's funded by the money left after everything else that repeats. Recurrings helps you keep more of it.
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