Business & Finance

Retirement Projection

See your future, then build it
Compound interest is the most powerful force in personal finance — and it favors those who start early. This calculator projects your savings over the decades, factoring in your current balance, monthly contributions, expected returns, and the years until retirement. Adjust any variable and watch the curve shift in real time.

Project your retirement

Capabilities

What this tool calculates

Most GPA calculators just average numbers. This one plans your future.

Start early, contribute less

The total square footage of your project — the single biggest cost driver. Commercial construction runs $100-300/sq ft; residential $80-200/sq ft depending on finishes.

The 4% rule

A common retirement withdrawal guideline: you can withdraw 4% of your portfolio annually without depleting principal. At $1M saved, that’s $40K/year in retirement income.

Employer match is free money

The 10-20% you add on top for the unexpected. Structural surprises, material price spikes, permit delays — the contingency is not optional, it’s insurance.

Quick check

A healthy retirement target: 25× your annual expenses. If you spend $50K/year now, aim for $1.25M saved. Use the calculator to see if your current contribution rate gets you there. If not, increase your monthly contribution by even $200— over 30 years at 7%, that’s an extra $245K.

Start today

Your future self will thank you

Enter your age, savings, and monthly contribution. Watch compound growth do the heavy lifting.

Project my savings