How to project your retirement savings in 3 easy steps
- 1
Enter your age
Your current age and the age you plan to retire.
- 2
Add your savings
What you have saved so far and your monthly contribution.
- 3
Set the return
Pick an expected annual return and inflation assumption to see nominal and real results.
Why use the retirement calculator tool from Super Utility Hub?
The retirement calculator projects what your savings could grow to by retirement age, combining what you have already saved with your monthly contributions, compounded monthly at your assumed return.
It shows both the nominal total and the inflation-adjusted buying power, so you can judge whether the projection will actually support your lifestyle.
- Processes everything in your browser — no upload servers involved
- Free forever with unlimited uses
- Works on Windows, macOS, Linux, Android and iOS
- No watermark or branding on your output, ever
Frequently asked questions
What return should I assume?
Broad stock index funds have historically returned ~7% before inflation. Subtract your inflation assumption for the real (buying-power) figure.
Is this enough to plan retirement?
It is a starting estimate. A fuller plan accounts for Social Security, pensions, taxes, healthcare costs, and how you will draw down the money.
Should I include employer matching?
Yes — add the full match as part of your monthly contribution. It is free money that compounds with everything else.