Starting late: can I still retire?
Use this calculator to explore what happens if you begin investing later — and what monthly “catch-up” contributions could look like. Adjust the age, target amount, and expected return to compare scenarios.
Use this calculator to explore what happens if you begin investing later — and what monthly “catch-up” contributions could look like. Adjust the age, target amount, and expected return to compare scenarios.
Extra per month: $
This estimates the monthly contribution needed to reach your target by your retirement age, based on monthly compounding. It’s a planning tool, not financial advice.
Tip: If the “extra per month” feels too high, try increasing your retirement age by 1–3 years and re‑run.
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Often no — but time becomes your most important factor. This calculator helps you estimate the monthly contribution needed to reach a target within your timeline.
It’s the estimated monthly contribution required (with your return assumption) to hit your target amount by your retirement age.
Extra years add both more contributions and more compounding. Even 1–3 years can make a big difference.
Try adjusting the target, increasing the timeline, or using more conservative expectations. You can also check your assumptions on Retirement.
See How compound interest really works → for the formula and explanation.