How does the retirement calculator estimate savings?

It uses a compound growth model: returns are applied to the current balance, which includes your starting savings, ongoing contributions, and accumulated returns.

How do monthly contributions affect the outcome?

Regular contributions increase invested capital and the compounding base, which can significantly raise the final amount over long periods.

Does the calculator include inflation, taxes, or fees?

The base projection shows nominal growth based on the entered return rate. Inflation, taxes, and fees can affect real results and may need to be considered separately.

Retirement Calculator

Q: What does “expected return” mean?

It is an assumed average annual growth rate used for projection. Actual investment performance may differ.

Q: Why is starting early important?

More time allows compounding to work longer. Early contributions have more years to grow, so even smaller amounts can become substantial.

Estimate how much you can build by retirement: current savings, monthly contributions, and expected return. Shows final amount, contributed vs earned, and a growth chart.

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Enter details

Finance

Current age

Retirement age

Current savings

Base currency: ₴. You can switch the chart to USD/EUR using NBU rates.

Monthly contributions

Added at the beginning of each month.

Expected return, %

Average annual return (smoothed monthly compounding model).

Start date

Used for year labels in the chart.

Result

CalcCore

Enter ages, amount, and expected return.

Retirement savings growth

Currency:

The line shows the end-of-year balance up to retirement.

Yearly table (open)

Currency:

Year	Age	Date	Contributed (₴)	Earned (₴)	Balance (₴)	Earned, %

How does the retirement calculator work?

The CalcCore retirement calculator estimates how much you could accumulate by retirement age. It uses a compound growth model, where returns are applied to your current savings, monthly contributions, and previously earned returns.

You enter your current age, retirement age, current savings, monthly contributions, and expected return. The calculator projects how your balance may grow year by year until retirement.

Compound interest and long-term growth

Time is the key factor. The earlier you start saving, the stronger the effect of compounding: returns generate additional returns over time. Even small regular contributions can grow significantly over decades.

What do the chart and yearly table show?

The chart displays retirement savings growth over time. The yearly table shows the end-of-year balance, total contributions, and total earnings, helping you understand how savings evolve.

Why use a retirement calculator?

It helps with financial planning: you can see whether your current savings strategy is enough to reach your goal and how changes in contributions or return rate affect the future result.

FAQ

Does the calculator guarantee my retirement amount?

No. It provides a projection based on an assumed return rate. Real investment performance may vary, and fees or taxes can apply.

What does “expected return” mean?

It is the average annual growth rate used to model long-term performance. It represents an estimate, not a guaranteed rate.

How do monthly contributions affect results?

Regular contributions increase the principal over time, which increases the base for compound growth.

Why is starting early important?

More time means compounding has longer to work. Early investments can outperform larger contributions made later.

Does this include inflation?

The base calculation shows nominal values. To estimate real purchasing power, inflation should be considered separately.