Retirement 401(k) / IRA Calculator

Project your retirement balance and see if you’re on track.

Current age

Retirement age

Current balance ($)

Your monthly contribution ($)

Employer match / month ($)

Expected annual return (%)

Retirement length (years)

Default 7% return = S&P 500 historical. Use 5% for a more conservative projection.

At retirement

$2,268,814

Total contributed

$462,000

Investment growth

$1,781,814

Est. monthly income

$6,428

Year-by-year projection

Income assumes the 4% safe-withdrawal rule and a 15% buffer for taxes and market dips.

Over deze tool

Enter your current age, retirement age, current balance, monthly contribution, employer match, and expected return. Get a year-by-year projection, the total you’ll have at retirement, and the monthly income in retirement. The r/personalfinance retirement ‘Am I on track?’ sanity check.

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