Your starting plan
Enter your goal, ages, estimated annual return, and early-life contributions.
What you can invest now
Enter a monthly amount that feels realistic. The calculator estimates the later stages.
High school
Ages 16–18
College or training
Ages 18–22
Early career
Ages 22–30
Your retirement path
Your early contributions are your inputs. Mid-career and peak-career amounts are calculator estimates.
Your goal
Save $3,000,000 by age 65
Your timeline
Estimated balance at retirement
$3,000,000
Return used
7%
Early-stage contributions
$0
Time until retirement
49 years
Advanced assumptions
The calculator uses monthly compounding and assumes deposits occur at the end of each month. Peak-career monthly contributions are estimated at the selected multiple of mid-career contributions. The default is 2× because income and saving capacity often increase over time.