🏖️ Retirement Savings (401k / IRA) Projection

Project your total retirement wealth at retirement age, taking into account employer matching, 2026 IRS contribution caps ($23,000), and the 4% safe withdrawal rule.

Retirement Timeline & Deposits

Current Age

Target Retirement Age

Current 401(k) / IRA Balance

Current Annual Salary

Your Contribution %

2026 IRS limit: $23,000/yr

Employer Match

Expected Annual Investment Return

Historical diversified portfolio average: 7%–8%

Projected Nest Egg at Age 65

$1,926,450

Safe 4% Monthly Budget: $6,421 / mo

Safe 4% Monthly Retirement Income $6,421 / mo

Total Employee Contributions $332,500

Free Employer Match Total $89,250

Compound Interest Growth $1,504,700

Years of Compound Growth 35 Years