AT 67$1,062,36137 years of saving
You put in$210,734
Your employer put in$105,367
Growth$734,260
At 40$105,124
At 50$290,209
At 60$643,996
At 67$1,062,361
Email me this
Your balance at retirement and the milestones on the way, in your inbox.
How it works
- You put in a percent of your pay each year, up to the yearly limit.
- Your employer matches part of it, up to their cap.
- The balance grows at your expected return, and your pay grows with raises.
- Milestones show the balance every ten years.
Take the whole match
A match is part of your pay. Contributing at least enough to get all of it is usually the first step.
free money is still money.
Turn the answer into a plan
In pinchd, every payment lands in the paycheck that pays it, and you tick it off as you go. No bank login, ever.
Questions
What return should I use?
Long-run stock returns have averaged around 7% after inflation, but no one knows the future. Try a lower number to be safe.
What is the contribution limit?
The IRS sets a yearly limit; this calculator uses a sample figure and holds your contribution to it.
How accurate is this?
It’s an estimate from the numbers you enter. Real statements and rates vary a little.
Is this calculator free?
Yes. No sign-up. It’s in the pinchd app too, where the answer fits into your actual paychecks.