Money & planning
Self-Employed Retirement Calculator
See what regular self-funded contributions grow into over the years — and how much of that is compound growth rather than money out of your own pocket.
Frequently asked questions
Why do the self-employed need their own retirement calculator?
Because no one is doing it for you. There is no employer pension, no automatic payroll deduction, and no matching contribution quietly topping up your savings. Every dollar that compounds toward your retirement is one you chose to set aside — this tool shows what that choice is worth over time.
What return rate should I enter?
The yearly growth you assume for your savings, before inflation. No one knows future returns, and a sensible assumption depends on how your money is invested, so the calculator doesn't recommend one — try a few rates to see how much the result depends on it. Treat the projection as a trend line, not a promise.
What is "today's money"?
Inflation means a dollar in 30 years buys less than a dollar today. If you enter an inflation rate, the calculator also shows your future balance in today's spending power — usually a sobering but honest second number to plan around.
What does the dashed line show?
The money you put in yourself: your starting balance plus your contributions. The gap between it and the balance line is the growth the calculator projects at the return rate you entered. The longer the period, the bigger that gap tends to be, which is why changing your ages moves the result so much.
These calculators give estimates to help you think — not financial, tax or legal advice. Double-check anything that matters with a professional.