Simple retirement calculator
Enter your age, a target retirement age, current savings, monthly contributions, and an assumed annual return. The result is a compound-growth illustration — not a forecast, guarantee, or financial plan.
What this calculator does
It compounds today’s balance once per year and adds a year of monthly contributions at the end of each year. That keeps the math inspectable. Real accounts have fees, taxes, irregular deposits, and returns that are never a straight line.
What it does not do
It does not model Social Security, pensions, inflation-adjusted spending, required minimum distributions, or sequence-of-returns risk. It also does not know your StockLift portfolio.
- Not tax-aware and not account-type specific
- Not personalized investment advice
- Not a substitute for a licensed advisor or a written plan
Use it with StockLift, not instead of it
After you have a ballpark number, look at what you already hold. StockLift aggregates linked accounts, can model growth projections in the app, and lets you request a financial plan or consultation from a licensed advisor.
Frequently asked questions
Why cap the assumed return at 15%?
Very high constant returns produce misleading hockey sticks. This tool is for conservative illustrations, not optimization.
Should I include my home or human capital?
This calculator only compounds the cash and savings figures you type in. Broader net-worth planning belongs in a conversation with an advisor.
Can StockLift invest this money for me?
StockLift helps you analyze, track, and — through a linked brokerage — place orders you review. It does not take discretion over your accounts from this website.
Where should I go next?
Read the investment planning and advisor guides, or download the app to see holdings, projections, and Advice Mode if you choose to enable it.
Information on this page is educational and is not personalized investment advice. StockLift provides portfolio tracking, analysis tools, and access to licensed advisors. Review every order before it is placed.