Investment and Retirement Calculator

Put your retirement savings, your contributions and your annual return into the investment calculator, and we'll show you how much you can expect to have in retirement. 

Enter Your Information

If you were born in 1960 or later, 67 years old is the age at which you can retire with full benefits.

$

This should be the total of all your retirement accounts including 401(k)s, IRAs, 403(b)s, etc.

$

This is the amount you add to your retirement savings each month. Ideally, you should save 15% of your pay toward retirement.

%

This is the return your investment will generate over time. Historically, the 30-year return of the S&P 500 has been roughly 12%.1

Your Results

Estimated Retirement Savings

In 0 years, your investment could be worth:

$0

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  • Initial Balance

    $ 0

    0% of Total

  • Contributions

    $ 0

    0% of Total

  • Growth

    $ 0

    0% of Total

What if I...

  • Saved an extra $100 per month.

    Adds $100 a month in contributions, but creates

    $0

    in additional growth

  • Gave up daily coffee purchases.

    Adds $128 a month in contributions, but creates

    $0

    in additional growth

  • Gave up weekly restaurant visits.

    Adds $200 a month in contributions, but creates

    $0

    in additional growth

Now build a plan to reach $0

Now that you've calculated your estimated retirement savings, your next step is to use a Smartvestor Pro to build your custom retirement plan.

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SmartVestor is an easy, free way to find investing professionals.

Retirement and Investment Guidance

  • Custom retirement and investment plans

  • Real-life, helpful people you can call

  • Hundreds of investment options

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What is an investment calculator for? 

An investment calculator is a simple way to estimate how your money will grow if you continued investing at the rate you’re going right now. 

But remember—an investment calculator is not meant to replace the advice of a professional. If you need help with your investments, we recommend using an investment professional, someone who will help you understand what you’re investing in. If that’s your next step, we can help you connect with a pro near you.

How much will I need in retirement?

The real question is—what do you want to do in retirement? Do you want to travel? Spend time with your grandkids? Live in the mountains or on the beach? Deciding this now will bring you way closer to knowing how much you’ll need in retirement than any random number will.

Once you have a dream set, it’s time to turn your dream into a goal. That’s where the R:IQ (or Retire Inspired Quotient) comes in. The R:IQ was created by Ramsey Personality Chris Hogan to help you figure out the amount of money you’ll need to live out your dream. To calculate your R:IQ (without involving, you know, math), use Hogan’s R:IQ calculator. It’ll show you where you are financially, where you want to be, and how to get there.  

Figure out how much you’ll need to retire here. 

How do I make investing a part of my overall financial plan?

Retirement is a big goal. If you approach investing like you would a piñata—running around and swinging blindly—you need to put down the bat and make a better plan (or rather a plan). 

You don’t have to reinvent the wheel here. You can follow a plan that’s helped millions of people put investing in their overall financial plan. It’s called the Baby Steps. With each step, you’ll change how you manage your money, including your investments. 

Take our free assessment to find out where you’re at. 

How do I build wealth and achieve financial peace?

Let’s get some things straight: You don’t need a six-figure income to build wealth. What you need is simple: a financial plan that you continue to work with focus and intentionality.

We can give you a plan that’s helped a lot of people like you achieve financial peace. It’s called Ramsey+. And, right now, you can start a two-week trial for free.