buncha/finance/retire

Retirement / 401k Calculator

Current balance

USD

Your monthly contribution

USD

Annual salaryfor employer match

USD

Employer matchof your $

Match capof salary

Expected return

% / yr

Inflation

% / yr

Current age

yrs

Retire at

yrs

Currency

Projected balance at retirement

$2,481,900

$1,098,745 in today's money (after 2.5% inflation per year for 33 years).

Your contributions

$396,000

33 yrs × monthly

Employer match

$112,200

$283 / mo

Investment growth

$1,923,700

7.0% / yr return

Starting balance

$50,000

today

Safe-withdrawal income (4% rule)

$8,273 / mo

nominal at retirement

$3,662 / mo

in today's money

Year-by-year balance

Age 32
$50,000

Age 34
$90,448

Age 36
$136,955

Age 38
$190,428

Age 40
$251,913

Age 42
$322,609

Age 44
$403,895

Age 46
$497,358

Age 48
$604,822

Age 50
$728,386

Age 52
$870,459

Age 54
$1,033,817

Age 56
$1,221,646

Age 58
$1,437,613

Age 60
$1,685,934

Age 62
$1,971,454

Age 64
$2,299,747

Age 65
$2,481,900

Assumptions matter. The default 7% annual return approximates the long-run S&P 500 real return after inflation; the default 2.5% inflation roughly matches the post-1990 US average. Real markets are volatile — a 7% average can hide a decade-long flat patch (1966-1982) or a roaring decade (2010-2019). The 4% safe withdrawal rule comes from the Trinity study and assumes a 30-year retirement; it has held up reasonably well historically but isn't a guarantee. Treat the number as a ballpark, not a promise.

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About Retirement / 401k Calculator

Project a 401k, IRA or any retirement account: current balance + your monthly contribution + employer match growing at an expected return, with inflation-adjusted 'today's dollars' alongside the nominal number. Includes a 4% safe-withdrawal projection so you see what the final balance means in monthly retirement income.

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