Retirement & 401(k) Calculator
Estimate what your retirement savings could be worth by the time you retire. Include your contributions, your employer's match, expected raises and investment returns.
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| Age | Contribution | Balance |
|---|---|---|
| 36 | $10,500.00 | $64,367.50 |
| 37 | $10,815.00 | $80,066.75 |
| 38 | $11,139.45 | $97,200.75 |
| 39 | $11,473.63 | $115,880.02 |
| 40 | $11,817.84 | $136,223.08 |
| 41 | $12,172.38 | $158,357.11 |
| 42 | $12,537.55 | $182,418.47 |
| 43 | $12,913.68 | $208,553.42 |
| 44 | $13,301.09 | $236,918.78 |
| 45 | $13,700.12 | $267,682.72 |
| 46 | $14,111.12 | $301,025.52 |
| 47 | $14,534.46 | $337,140.47 |
| 48 | $14,970.49 | $376,234.76 |
| 49 | $15,419.60 | $418,530.48 |
| 50 | $15,882.19 | $464,265.69 |
| 51 | $16,358.66 | $513,695.50 |
| 52 | $16,849.42 | $567,093.33 |
| 53 | $17,354.90 | $624,752.18 |
| 54 | $17,875.55 | $686,986.03 |
| 55 | $18,411.81 | $754,131.27 |
| 56 | $18,964.17 | $826,548.38 |
| 57 | $19,533.09 | $904,623.52 |
| 58 | $20,119.09 | $988,770.42 |
| 59 | $20,722.66 | $1,079,432.30 |
| 60 | $21,344.34 | $1,177,083.95 |
| 61 | $21,984.67 | $1,282,233.95 |
| 62 | $22,644.21 | $1,395,427.09 |
| 63 | $23,323.53 | $1,517,246.84 |
| 64 | $24,023.24 | $1,648,318.17 |
| 65 | $24,743.94 | $1,789,310.42 |
This is an illustration, not financial advice. Real returns vary year to year and are not guaranteed. It ignores taxes, fees and contribution limits, and assumes your contribution and employer match are a fixed percentage of salary.
This tool is for informational and estimation purposes only; it does not constitute legal, financial, or tax advice. Results may change based on current regulations; for exact, binding calculations, consult the relevant official authority, accountant, or lawyer.
How to Use
- 1Enter your current age, the age you want to retire at, and your current retirement balance.
- 2Enter your annual salary, the percentage you contribute and the percentage your employer adds.
- 3Set the expected yearly raise, investment return and inflation.
- 4Read the projected balance, what it's worth in today's dollars, and the year-by-year table.
Frequently Asked Questions
How much do I need to retire?
A common rule of thumb is to aim for 25 times your expected annual spending, which matches the '4% rule' of withdrawing about 4% of your savings in the first year of retirement. Others suggest saving 10 to 15 times your salary by the time you retire. These are guidelines, not guarantees; your needs depend on your lifestyle, health care costs and other income such as Social Security.
What is an employer match?
Many employers add money to your 401(k) when you contribute, for example matching 50% of your contributions up to 6% of your salary. It's effectively part of your pay, so contributing enough to get the full match is commonly recommended. Enter the match here as the percentage of your salary your employer adds in total.
What return should I assume?
Long-term stock market returns have historically averaged roughly 7% per year after inflation, or around 10% before it, but individual years vary a lot and the future may differ. A more cautious assumption, such as 5% to 6%, gives a more conservative estimate.
What are the 401(k) contribution limits?
The IRS sets annual limits on 401(k) contributions and adjusts them periodically, with extra 'catch-up' amounts for people 50 and older. Check IRS.gov for the current figures. This calculator doesn't enforce limits.
Is my information stored?
No. The projection is calculated in your browser, and nothing you enter is saved or sent anywhere.