Retirement Calculator

401k — Accumulation

Your Info

current age35

current balance ($)

annual salary ($)

Contributions

Annual

Monthly

employee contrib %10.0%

annual contrib—

Employer Match

match cap %4.0%

5-to-4 (contribute 5% to receive 4% match)

annual match—

total annual—

Growth

pre-retirement growth7.0%

Inheritance

off

Inheritance Details

amount ($)

age received39

years to grow—

future value at retirement—

Growth Rate

Follow 401k

Custom Rate

Retirement Plan

Timing & Portfolio

retirement age55

starting portfolio—

auto-set from accumulation

target balance at 80$1.0M

Investment

retirement growth rate7.0%

inflation rate3.0%

Social Security

combined SS / yr$48K

SS start age62

Taxes

effective tax rate22%

Monthly Expenses (today's $)

housing / mo (w/ mortgage)$2,500

mortgage ends at agenever

healthcare / mo (pre-65)$1,500

healthcare / mo (65+ Medicare)$600

Sequence of Returns Risk

show bad sequence scenario

Yrs 1–5: rate−5% | Yrs 6–15: rate | Yrs 16+: rate+2%.
Same nominal withdrawal.

401k accumulation: age 35 → 55 (20 years)

projected at retirement

—

total contributions

—

investment growth

—

return on contributions

Accumulation — Portfolio Growth to Retirement

projected balance annual contrib

Starting Retirement Portfolio

—

projected

Drag the starting portfolio slider to override.

—

Retirement plan: age 55 → 80 (25 years) — contributions stop

total annual draw

—

gross, before tax

after-tax draw

—

portfolio draw (pre-SS)

—

balance at 80

—

Annual Discretionary Spending — Today's Dollars (after tax, housing & healthcare)

at retirement (pre-SS)

—

today's purchasing power

after SS starts

—

today's purchasing power

after Medicare (65+)

—

lower HC cost kicks in

real spending power at 79

—

last year, today's dollars

Retirement Drawdown

balance (base) portfolio withdrawal