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Retirement Savings Calculator
OnestPay · Your debit card. Your path to wealth.
Small rewards today.
More possibilities tomorrow.
Everyday cashback. A little more for your retirement.
Turn cashback from planned purchases through OnestPay into contributions toward your retirement. Your existing debit card can be a starting point for small, regular steps toward your future.
See what your cashback could do ↓
Small earnings. A bigger purpose.
Your debit card becomes a starting point
for your future self.
Retirement saving can feel like one more demand on today’s budget. Give rewards from purchases you already plan to make a different purpose: regular contributions toward the years ahead. Small amounts, consistently set aside, can become part of a bigger plan.
Reward planned spending.
Pay through OnestPay at eligible stores and earn cashback under the current offer.
Set rewards aside.
Arrange to put earned cashback toward retirement savings or investments that fit your goals.
Give contributions time.
Explore what regular contributions and hypothetical returns could add by your planned retirement age.
Cashback requires eligible purchases paid through OnestPay. Retirement contributions and investments are arranged separately; OnestPay does not automatically fund an account or provide the illustrated returns.
Enter your monthly cashback estimate
Enter the amount you expect to set aside each month. Need an estimate? Use the cashback calculator → The $60.00 sample below is illustrative; it is not a promised reward.
Give your rewards a purposeChoose your goal.
Choose your goal.
See what cashback could change.
Every cashback dollar can support a goal that matters to you. Consider putting your rewards toward reducing debt or adding to long-term savings.
Pay off your mortgage earlier
Put cashback toward extra principal payments and work toward owning your home sooner.
Explore calculator →Pay off your car loan earlier
Use cashback for additional loan payments and reduce your remaining balance.
Explore calculator →Pay off your student loan earlier
Direct cashback toward your student-loan balance and keep moving toward your payoff goal.
Explore calculator →Pay down credit-card debt
Apply cashback toward your credit-card balance and work toward becoming debt-free.
Explore calculator →Build your retirement fund
Set cashback aside for retirement and make saving a regular habit.
Explore calculator →Build college savings
Set cashback aside for future tuition, books and education expenses.
Explore calculator →Build your investments
Contribute cashback regularly and explore its potential over time.
Explore calculator →Save for a home down payment
Put cashback toward the down payment on your future home.
Explore calculator →Your Savings Advantage
Congratulations! With $0 in additional contributions from your pocket, your cashback could help build your future.
You could build $50,604.54 for retirement over 25 yr .
This illustration starts at $0 and invests $60.00 in monthly cashback at an assumed 7.5% annual return. Actual returns and rewards can differ.
Show the calculation
Additional projected savings$50,604.54
Cashback contributed$18,000.00
| After 25 yr | Without cashback | With cashback |
|---|---|---|
| Projected balance | $0.00 | $50,604.54 |
The 7.5% annual return is a hypothetical assumption, not a forecast. Contributions occur at month end. Taxes, fees and inflation are excluded.
Illustrative estimates only. Loan calculations assume a constant rate, monthly interest and payments, and extra cashback applied to principal each month. They exclude fees, penalties and changes in rewards. Savings calculations assume a constant annual return, monthly compounding and end-of-month contributions; they exclude taxes, fees and inflation. Returns can vary and losses are possible. Results are not guarantees.
These are ideas for using your rewards, not automatic OnestPay services. Each illustration applies the full monthly cashback estimate to one goal. Any payments or contributions must be arranged separately. Consider your loan terms and retirement-account rules before making additional payments or contributions.
The bigger picture
Small contributions.
A future worth building toward.
Each cashback contribution adds money to your retirement goal. If invested, positive returns could also generate future growth. Time gives compounding room to work, although investment values can fall.
This illustration starts at $0 and shows only the potential additional balance from your entered cashback. Your existing retirement savings remain separate.
Based on your calculator inputs
Your cashback could add $50,604.54 to your retirement savings.Contributing $60.00 each month for 25 yr until age 65 at an assumed 7.5% annual return illustrates how everyday rewards could support your future, with $0 in additional out-of-pocket contributions. Actual results are not guaranteed.
Cashback contributed$18,000.00
Illustrative investment growth$32,604.54
A little clarity before you begin.
What does “$0 extra” mean?
The illustrated contributions come entirely from cashback you earn rather than additional money from your pocket. You still pay for your purchases. Saving or investing rewards must be arranged separately and investments can involve fees and losses.
Does this include my current retirement savings?
No. It starts at $0 and projects only your entered cashback contributions between your current age and planned retirement age.
Are the return assumptions guaranteed?
No. The 5%, 7.5% and 10% options are hypothetical annual-return assumptions, not forecasts or returns paid by OnestPay. The labels describe the assumptions, not investment risk. Actual returns may be negative.
Does this model a specific retirement account?
No. It does not model account eligibility, contribution limits, tax treatment, withdrawals or employer matches. Check the rules of any account you choose.
Will this tell me when I can afford to retire?
No. It illustrates the additional balance cashback contributions might build by your selected age. It does not assess total retirement needs, spending, income or whether your savings will last.
Ideas for your next step
Explore retirement savings insights
Learn more about the concepts behind your calculator.
Blog preview · Retirement Savings
The Power of Time in a Retirement Illustration
See how the years between your current age and retirement affect the projection.
Blog preview · Retirement Savings
Understanding the 5%, 7.5% and 10% Scenarios
Learn why assumed annual returns are illustrations rather than forecasts.
Blog preview · Retirement Savings
From Everyday Cashback to Retirement Savings
Explore how regular contributions and hypothetical growth combine over time.
Editorial previews for planned blog articles.