Calculadora de aposentadoria
Enter what you have saved today, how much you contribute each month, any employer match, years until retirement, and an expected annual return to project your nest egg at retirement.
Projected nest egg at retirement996.143,22
Total you + employer put in280.000,00
Employer match total90.000,00
Investment growth (compounding)716.143,22
Como este cálculo funciona
Your current balance grows with compound monthly returns over the years you have left.
Each month, your contribution plus employer match (as a % of your contribution) is added and also compounds until retirement.
Investment growth is the difference between the final nest egg and everything you and your employer contributed — it shows the power of long-term compounding, not a guarantee of future returns.
Exemplo resolvido
10,000 saved, 500/month with 50% employer match, 7% average return, 30 years → about 1.14M nest egg. Roughly 900K from contributions and growth combined.
Perguntas frequentes
Is 7% a realistic return assumption?
Historical US stock-heavy portfolios averaged roughly 7–10% nominal before inflation over long periods, but future returns are uncertain. Try 5%, 7%, and 9% to see a range.
How do I enter employer match?
If your employer matches 50% of your contribution up to 6% of salary, enter your monthly contribution and set employer match to 50%. This calculator matches a flat % of your contribution — adjust if your plan differs.
Does this include Social Security or pension?
No. It projects only the account balance you build from savings and match. Add pension or Social Security estimates separately.
What about inflation?
Results are in today's dollars unless you reduce the return assumption (e.g. use 4–5% real return instead of 7% nominal).
Is my data saved?
No. All math runs locally in your browser.
Esta ferramenta é fornecida apenas para informação geral. Verifique valores importantes por conta própria. · Última revisão: 25 de agosto de 2026