Retirement Calculator
Enter your current savings, contributions and expected returns to project your retirement or 401(k) balance.
How to use Retirement Calculator
- Enter your current age, target retirement age, and current balance.
- Enter your annual contribution, any employer match, and expected return.
- Your projected retirement balance is calculated automatically.
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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