Projected nest egg
FV = current · (1 + r)ⁿ + PMT · [ ((1 + r)ⁿ − 1) ÷ r ]
r is the monthly return (annual ÷ 12) and n the months until retirement. The first term grows what you've already saved; the second is the future value of ongoing contributions. Starting a decade earlier often beats contributing more later, thanks to compounding.
Planning your retirement savings
This calculator projects your nest egg by compounding your existing savings and monthly contributions until retirement. The donut shows how much of the final figure you actually contributed versus how much compound growth added — a powerful illustration of why starting early matters.
Results are in nominal (future) dollars and returns aren't guaranteed. Use a conservative expected return and revisit the plan regularly.
For information only; not financial advice.