Planning for retirement requires understanding how your current savings, ongoing contributions, and investment growth combine over decades to fund your future. This retirement calculator projects your retirement savings balance based on your current age, target retirement age, current savings, monthly contributions, and expected annual return. It shows how compound growth accelerates over time, helping you see the long-term impact of starting early or increasing contributions even slightly. Use it to stress-test different scenarios, a higher contribution rate, an earlier retirement age, or a more conservative return assumption, to build a realistic retirement strategy.