Your inputs
About this calculator
See how regular monthly investing might grow over time.
How we run the estimate
Change return and inflation below. Balances, contributions, and timeline stay in the panel above.
Average yearly growth — markets will vary.
8.0%
2.5%
- When contributions count
- Added at the end of each month
- Raises to your monthly amount
- None — same contribution every year
- Not included
- Taxes, account fees, and year-to-year market ups and downs
Your results
Help
Frequently asked questions
Straight answers to common questions about this calculator.
How much can monthly investing grow?
Regular monthly investing adds up over time because you earn on past gains too. The longer you invest and the higher the return, the bigger the total — but returns are not guaranteed.
What is investing the same amount every month?
You put in a fixed amount on a schedule (often monthly). It builds a habit and spreads buys over time instead of guessing the best day to invest.
What is a yearly step-up?
You increase your monthly contribution each year — for example 5% more per year. That can match pay raises and grow your balance faster.
How does inflation affect results?
Inflation means future dollars buy less. Showing results in today's dollars helps you see whether you're on track for a real lifestyle goal.
Your full retirement picture
Retirement is more than money
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A good retirement plan covers money, health, how you spend your time, people you care about, and what you pass on. That is how Retirelens looks at the full picture.
Finance
Know where you stand and what to do next with your money.
74% of planners reported satisfaction with retirement income vs. 43% of non-planners (Goldman Sachs)
Health
Secure solid coverage, stay ahead with preventive care and healthy habits a staple.
68% of adults ages 50–64 said they were concerned that federal policy changes could affect their health insurance coverage. (University of Michigan)
Purpose
Shape days you look forward to, with steps to get there.
Research shows that a stronger sense of purpose is associated with lower mortality risk among adults over age 50. (American Medical Association)
Connections
Strengthen relationships and build a support circle.
A longitudinal study of adults aged 65+ found that older adults with more diverse social networks had a lower risk of death and better cognitive and physical function than those with less diverse networks. (Chico Health Aging Project)
Legacy
Organize your assets and document so your family isn't left guessing.
Without a proper estate plan, more than half of families experience disputes or have assets end up under court control. (LegalShield)