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Retirement Savings Calculator — 401k & IRA Growth — Calculator

Find out if you are on track for retirement. Enter your age, current savings, monthly contributions, and target retirement age to see your projected nest.

✓ Formula verified: January 2026For informational purposes only

Retirement Calculator

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Estimated Total at Retirement (Age 65)
$1.48M

In Today's Dollars (Inflation-Adjusted at 3.0%)

$524,487

Total Amount Contributed (You)

$260,000

Total Investment Growth (Market)

▲ $1.22M

Your Money Multiplied

▲ 5.7×

Shortfall — $60,000 income in today's dollars (4% rule)

▼ Gap: $2.74M

Monthly Contribution Needed to Hit Goal

▼ $2,025/month

What if your current age changes? 27 years → $1.84M · 30 years → $1.48M · 33 years → $1.18M

Scenario Comparison

Conservative (5%)
$94,111.23
$84,111.23 interest
Your scenario (7%)
$106,639.02
$96,639.02 interest
Aggressive (10%)
$129,492.90
$119,492.90 interest
High-risk (14%)
$169,759.16
$159,759.16 interest
Best return
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Retirement Projection

Portfolio Growth Over Time

$0$369K$738K$1.1M$1.5MAge 30Age 40Age 50Age 60
Portfolio Value (7.0% return)
Total Contributed
Inflation-Adjusted Value

Return Scenarios at Age 65

Pessimistic

$854,732

5.0% return

Expected

$1.48M

7.0% return

Optimistic

$2.62M

9.0% return

Year-by-Year Milestones

AgeContributedGrowthTotal
Age 30$50,000$0$50,000
Age 35$80,000$26,678$106,678
Age 40$110,000$77,025$187,025
Age 45$140,000$160,928$300,928
Age 50$170,000$292,400$462,400
Age 55$200,000$491,307$691,307
Age 60$230,000$785,810$1.02M
Age 65$260,000$1.22M$1.48M

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Estimated Total at Retirement (Age 65): $1.48M

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