Retirement Savings Calculator
Project your retirement nest egg growth based on your savings, contributions, and expected returns.
Projected Balance at 65
$1,394,374
Over 35 years
Total Contributions
$260,000
Growth from Interest
$1,134,374
Years Until Retirement
35 years
Savings Growth Over Time
Projection Mode
Choose between deterministic projections or Monte Carlo simulation
Personal Information
Applied to tax-deferred account withdrawals
After-Tax Account Treatment
Enter after-tax returns directly for brokerage accounts
Rebalancing
401(k), 403(b), Traditional IRA — Contributions are pre-tax, withdrawals taxed
Years to Retirement
35 years
Projected Total Balance
$5,353,659
Total Contributions
$1,170,000
After-Tax Retirement Value
$4,620,927
Retirement Savings Projection
Account Breakdown at Retirement
Tax-Deferred
$3,330,601
Contributions: $732,500
Growth: $2,598,101
After 22% tax: $2,597,869
Tax-Exempt (Roth)
$1,199,172
Contributions: $252,500
Growth: $946,672
Qualified withdrawals are tax-free
After-Tax
$823,887
Contributions: $185,000
Growth: $638,887
Cost-basis withdrawals are not taxed
Year-by-Year Projection
| Year | Age | Tax-Deferred | Tax-Exempt | After-Tax | Total | Contributions | Growth |
|---|---|---|---|---|---|---|---|
| 0 | 30 | $50,000 | $25,000 | $10,000 | $85,000 | $85,000 | $0 |
| 1 | 31 | $73,732 | $33,494 | $15,888 | $123,113 | $116,000 | $7,113 |
| 2 | 32 | $99,125 | $42,582 | $22,187 | $163,894 | $147,000 | $16,894 |
| 3 | 33 | $126,295 | $52,307 | $28,928 | $207,530 | $178,000 | $29,530 |
| 4 | 34 | $155,368 | $62,712 | $36,141 | $254,221 | $209,000 | $45,221 |
| 5 | 35 | $186,475 | $73,846 | $43,858 | $304,179 | $240,000 | $64,179 |
| 6 | 36 | $219,760 | $85,759 | $52,116 | $357,635 | $271,000 | $86,635 |
| 7 | 37 | $255,375 | $98,506 | $60,952 | $414,833 | $302,000 | $112,833 |
| 8 | 38 | $293,483 | $112,146 | $70,406 | $476,035 | $333,000 | $143,035 |
| 9 | 39 | $334,258 | $126,740 | $80,522 | $541,520 | $364,000 | $177,520 |
| 10 | 40 | $377,888 | $142,356 | $91,346 | $611,590 | $395,000 | $216,590 |
| 11 | 41 | $424,572 | $159,064 | $102,928 | $686,565 | $426,000 | $260,565 |
| 12 | 42 | $474,524 | $176,943 | $115,320 | $766,787 | $457,000 | $309,787 |
| 13 | 43 | $527,972 | $196,073 | $128,581 | $852,626 | $488,000 | $364,626 |
| 14 | 44 | $585,162 | $216,542 | $142,769 | $944,473 | $519,000 | $425,473 |
| 15 | 45 | $646,355 | $238,444 | $157,950 | $1,042,749 | $550,000 | $492,749 |
| 16 | 46 | $711,832 | $261,879 | $174,194 | $1,147,905 | $581,000 | $566,905 |
| 17 | 47 | $781,892 | $286,954 | $191,576 | $1,260,421 | $612,000 | $648,421 |
| 18 | 48 | $856,856 | $313,785 | $210,174 | $1,380,814 | $643,000 | $737,814 |
| 19 | 49 | $937,068 | $342,494 | $230,073 | $1,509,634 | $674,000 | $835,634 |
| 20 | 50 | $1,022,894 | $373,212 | $251,366 | $1,647,472 | $705,000 | $942,472 |
| 21 | 51 | $1,114,728 | $406,081 | $274,149 | $1,794,958 | $736,000 | $1,058,958 |
| 22 | 52 | $1,212,991 | $441,250 | $298,527 | $1,952,769 | $767,000 | $1,185,769 |
| 23 | 53 | $1,318,132 | $478,882 | $324,612 | $2,121,626 | $798,000 | $1,323,626 |
| 24 | 54 | $1,430,633 | $519,147 | $352,522 | $2,302,303 | $829,000 | $1,473,303 |
| 25 | 55 | $1,551,009 | $562,232 | $382,387 | $2,495,628 | $860,000 | $1,635,628 |
| 26 | 56 | $1,679,812 | $608,332 | $414,341 | $2,702,485 | $891,000 | $1,811,485 |
| 27 | 57 | $1,817,630 | $657,659 | $448,533 | $2,923,822 | $922,000 | $2,001,822 |
| 28 | 58 | $1,965,096 | $710,439 | $485,118 | $3,160,653 | $953,000 | $2,207,653 |
| 29 | 59 | $2,122,885 | $766,914 | $524,264 | $3,414,062 | $984,000 | $2,430,062 |
| 30 | 60 | $2,291,718 | $827,342 | $566,150 | $3,685,209 | $1,015,000 | $2,670,209 |
| 31 | 61 | $2,472,370 | $891,999 | $610,968 | $3,975,337 | $1,046,000 | $2,929,337 |
| 32 | 62 | $2,665,668 | $961,183 | $658,923 | $4,285,774 | $1,077,000 | $3,208,774 |
| 33 | 63 | $2,872,496 | $1,035,210 | $710,235 | $4,617,941 | $1,108,000 | $3,509,941 |
| 34 | 64 | $3,093,803 | $1,114,419 | $765,139 | $4,973,361 | $1,139,000 | $3,834,361 |
| 35 | 65 | $3,330,601 | $1,199,172 | $823,887 | $5,353,659 | $1,170,000 | $4,183,659 |
Understanding This Calculator
Tax-Deferred (401k, IRA): Contributions reduce taxable income today. Withdrawals in retirement are taxed as ordinary income.
Tax-Exempt (Roth): Contributions are made with after-tax dollars. Qualified withdrawals are completely tax-free.
After-Tax Brokerage: No special tax treatment on contributions. Capital gains and dividends are taxed annually.
Capital Market Assumptions: Default returns and volatilities are based on long-term institutional forecasts from major asset managers.
Rebalancing: Annual rebalancing maintains your target allocation. Without rebalancing, your allocation will drift based on relative performance.
About This Analysis
This calculator provides estimates based on the inputs you supply. It assumes standard amortization and does not account for taxes, insurance, PMI, prepayment penalties, or the opportunity cost of funds. Results are for informational and educational purposes only and should not be considered financial advice. Consult a qualified professional before making financial decisions.
- ·Returns are not guaranteed and actual results will vary.
- ·Does not account for contribution limits, required minimum distributions, or Social Security.
- ·Monte Carlo simulations assume normally distributed returns, which may understate tail risk.
Related Resources
Related Calculators
Social Security Calculator
Estimate your Social Security benefits
Medicare IRMAA Calculator
Estimate Medicare premium surcharges
FIRE Calculator
Calculate your path to financial independence
RMD Projector
Project required minimum distributions
Pension Lump Sum Calculator
Lump sum vs. annuity — which is better for you?
Also Consider
Quick Reference
- Social Security Bend PointsPIA formula and bend point thresholds
- Medicare Premiums & IRMAAPart B/D base premiums, income surcharge brackets
- Key Retirement Ages59½, 62, 65, 67, 70, 73 — what each unlocks
- Contribution Limits401(k), IRA, HSA, catch-up limits for 2025
- Retirement Account ComparisonTraditional vs Roth vs 401(k) vs 403(b) vs SEP
- RMD TablesUniform Lifetime Table, Joint Life Table
Insights
- How to Project Your Retirement Savings (and Why Most People Get It Wrong)13 min read
- The FIRE Movement: Is Financial Independence Realistic for You?14 min read
- Which Retirement Account Should You Fund First?12 min read
- Pension Lump Sum vs. Monthly Annuity: A Framework for Deciding14 min read
- When to Claim Social Security: A Framework for Deciding13 min read
- Defining 'Enough': How to Estimate Your Core Retirement Spending11 min read
- The Eighth Wonder of Finance: Understanding Compound Interest12 min read
9 calculators · 6 reference pages