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.

About this 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.

Related tools

More calculators you might find useful.

Rent Affordability Calculator

Find out how much rent you can afford based on your income.

Shopify Shipping Simulator

Estimate shipping cost and margin on a Shopify order.

Appliance Energy Cost Calculator

Calculate how much an appliance costs you per month and per year.

Other categories

Looking for something different? Browse the rest of the catalog.

Suggest a tool