Does this projection account for taxes and contribution limits?

No. It is an educational projection that keeps the assumptions visible. Account rules, taxes, fees, employer match, and contribution limits should be checked separately.

Why is the required contribution different from my current contribution?

The required amount is the model's estimate to close the funding gap under the entered return, inflation, income, and time assumptions. It is not a recommendation or guarantee.

CalcAxis/Finance/Retirement Savings

FinanceUpdated · Aug 2026

Retirement Savings Calculator

Connect current savings, contributions, return assumptions, and income targets to a retirement projection.

~30s to useFormula and inputs shown·2 FAQs

Start with your numbers

Retirement Savings Calculator

Change the inputs that matter to your decision. Optional assumptions stay collapsed until you need them.

Timeline

Set the ages that define the accumulation and retirement periods.

Current age

Retirement age

Life expectancyUsed to estimate the length of the retirement drawdown.

Funding plan

Connect current savings and income sources to a retirement target.

Current retirement savings

Current monthly contributionUse 0 to see only the required contribution.

Desired monthly incomeThe target income in retirement before tax treatment.

Expected Social SecurityMonthly income expected from Social Security or another outside source.

OptionalReturn and tax assumptions

Keep assumptions explicit so the projection is easy to compare.

Expected annual returnA scenario assumption, not a guarantee.

Expected inflation rateUsed to express the plan in today's purchasing power.

Retirement account type

Retirement plan

Monthly contribution required

$420.00

To target $5,000.00 per month in retirement, the model estimates $474,196.00 is needed at age 65.

Projected balance$535,653.00

Income from savings$3,000.00

Years to retirement35

Investment growth$315,653.00

Account401(k)Pre-tax contributions, taxed on withdrawal

Compare the plan to your current saving

Current contribution meets or exceeds your projected requirement.

Projected balance by age

Age	Balance	Contributions	Returns
30	$10,000	$10,000	$0
31	$16,450	$16,000	$450
32	$23,190	$22,000	$1,190
33	$30,234	$28,000	$2,234
34	$37,594	$34,000	$3,594
35	$45,286	$40,000	$5,286
36	$53,324	$46,000	$7,324
37	$61,724	$52,000	$9,724
38	$70,501	$58,000	$12,501
39	$79,674	$64,000	$15,674
40	$89,259	$70,000	$19,259
41	$99,276	$76,000	$23,276