401k & Retirement Calculator
See how your savings, employer match, and compound growth add up over time. Adjust for inflation to understand your real purchasing power at retirement.
Projected Balance at Retirement
$2,826,626
In 35 years (nominal)
Inflation-Adjusted Value
$1,191,058
In today's dollars
Total Contributed
$575,000
Investment Growth
$2,251,626
Compound interest earned
Estimated Monthly Income
$3,970
Using the 4% rule (today's dollars)
The 4% rule suggests you can withdraw 4% of your portfolio annually in retirement with low risk of running out over 30 years. Your employer match is essentially free money - maximize it.
Will your money last?
Test your retirement against real market history, with taxes, Social Security and spending included
Try it freeNo signup requiredRetirement Planning Basics
What is the 4% rule?
The 4% rule suggests you can withdraw 4% of your portfolio in year one of retirement, then adjust for inflation each year, with a low risk of running out of money over 30 years. It's a starting point - your actual safe withdrawal rate depends on your portfolio allocation and retirement length.
How much should I contribute?
Financial advisors typically recommend saving 15% of your gross income for retirement, including employer match. If you're starting late, aim higher. At minimum, always contribute enough to capture the full employer match - it's free money.
How does employer match work?
Many employers match a percentage of your 401k contributions - for example, 50% of the first 6% you contribute. If you earn $80,000 and contribute 6% ($4,800), your employer adds $2,400 - that's an instant 50% return before investment gains. Not capturing the full match is literally leaving money on the table.
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