401(k) & Retirement Calculator

See how your retirement savings compound over time. Adjust your contribution and watch decades of growth unfold.

Retirement Calculator

See how your 401(k), IRA, or retirement savings can grow over time.

Your Age

18

Retire At

65

Years Contributing

Age 18–65(47 yrs)
1865

Monthly Contribution

$

Expected Annual Return

7%
3%S&P 500 avg ~10% · After inflation ~7%12%

Your retirement balance at 65

$3,070,500

from 47 years of investing

You Put In

$395K

Market Grew

$2.7M

Multiple

7.8x

Growth Over Time

Contributions
Growth
20
30
40
50
60
65

Estimated monthly income in retirement (4% rule)

$10,235/mo

Milestone Checkpoints

Age 3012 years
$157K36% growth
Age 3517 years
$273K48% growth
Age 4022 years
$437K58% growth
Age 4527 years
$670K66% growth
Age 5032 years
$1000K73% growth
Age 5537 years
$1.5M79% growth
Age 6042 years
$2.1M83% growth
Age 6547 years
$3.1M87% growth

Where Your $3.1M Comes From

$3.1Mat age 65
Your Contributions
$282K9%
Employer Match
$113K4%
Compound Growth
$2.7M87%

Your money is doing most of the work.

Of your $3,070,500 balance, only $394,800 came from your pocket. The other $2,675,700 — 87% — was earned by compound growth. That's 7.8x your money.

Your employer match adds $112,800 over 47 years — that's free money.

Track your retirement accounts alongside your full net worth

Start Growing Your Net Worth

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