Plan for a Comfortable Retirement
This retirement calculator projects how much your 401(k) or retirement savings could grow by the time you retire. Enter your current age, the age you plan to retire, your current balance, your monthly contribution, any employer match and an expected annual return to see your projected balance, how much you contributed and how much came from investment growth. It runs in your browser, so your numbers stay private.
Why starting early matters
Retirement savings grow through compounding, where your returns earn returns of their own. The longer your money is invested, the larger that snowball becomes. Starting in your twenties rather than your forties can more than double your final balance for the same monthly contribution, simply because the money has more time to grow.
Do not leave the match on the table
If your employer matches part of your 401(k) contributions, that is free money and an immediate return on what you put in. Contributing at least enough to capture the full match is one of the most reliable ways to boost your retirement savings. This calculator lets you include the match as a percentage of your own contribution.
Keep it realistic
- Returns vary year to year, so treat the projection as a guide, not a promise.
- Inflation reduces future buying power, so your real balance buys less than the headline figure suggests.
- Increase contributions over time as your income grows to stay on track.
Estimates only — not financial advice. Consult a qualified financial professional for planning tailored to your situation.