Retirement Calculator
NEWProject your retirement or 401(k) balance from your current savings, contributions, and expected returns.
Frequently asked questions
How is the projection calculated?
Your current balance grows at the expected return rate for the number of years until retirement, and your annual contribution (yours plus any employer match) compounds the same way as a series of yearly deposits — a standard future-value calculation, not a simulation of real market variation.
Does this account for contribution limits or taxes?
No — it's a simplified projection that doesn't model annual contribution caps, taxes on withdrawal, or fees, all of which vary by country, account type, and individual situation.
Why does the result assume a constant annual return?
Real investment returns vary significantly year to year — using one constant average rate makes the math tractable for a planning estimate, but it will differ from any specific real sequence of returns, especially over shorter time horizons.
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