Includes Employer Match
Enter your percentage match and we automatically boost contributions — huge lever many calculators ignore.
See if your savings pace can fund retirement — with inflation adjustments, employer match, and a decade-by-decade roadmap.
Goal Coverage
Run the calculator to see if your income goal is on track.Inflation-adjusted balances assuming consistent contributions and returns. Use it to plan contribution increases.
| Age | Years Until Retirement | Projected Balance (today's dollars) |
|---|---|---|
| Run the projection to populate this table. | ||
Enter your percentage match and we automatically boost contributions — huge lever many calculators ignore.
Your $90k goal becomes ~$150k in future dollars. We show both so you’re not under-saving.
See safe withdrawal plus the income you actually need — then close the gap.
Print the decade table and bring it to your advisor, or use it to self-direct your FIRE plan.
Drop the return slider to 5-6% to simulate a conservative portfolio. The calculator updates instantly.
Subtract your expected benefit from the desired annual income field. We’ll handle the rest.
It’s a starting point. Rising rate environments support 4-4.5%. For ultra safety, plan around 3.5%.
Anytime your projected nest egg covers under 80% of your income goal, bump contributions or delay retirement.
Invest Smarter
Let a robo-advisor manage rebalancing and tax-loss harvesting for you.
Contributions to a 401k reduce your taxable income now. In 2026 you can contribute up to $23,500 ($31,000 if age 50+). Our calculator shows how compounding grows your balance.
The FIRE (Financial Independence, Retire Early) number is your annual spending × 25. Our calculator factors in your savings rate, investment returns, and current net worth.
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