Retirement planning

401(k) / 403(b) savings calculator

Workplace DC balances (401(k), 403(b), etc.). Not Social Security or DB pensions. Monthly compounding; 4% rule is illustrative only.

Your inputs

Updates as you change values.

7.0%

Nominal, pre-inflation. Many plans use ~5–8% for long-run planning.

At retirement (65)

Projected balance

$1,320,803

Your contributions

$180,000

Employer contributions

$90,000

Estimated investment growth

$1,000,803

~Monthly spend (4% rule)

$4,403

4% rule: rough thumb only—not taxes, timing, or longevity.

Balance over time

One bar per year (balance grows left → right)

Hover or tap a bar for balance

Age 35Age 65
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Education only. Excludes Social Security & DB pensions. Skips taxes, fees, IRS limits, and plan rules—not personal advice.

At age 65

$1,320,803

~$4,403/mo (4% rule)

Details