Historical CAGR ~3.75% (2020–2026) — 3.5% is a reasonable conservative default
Return rate applies to all accounts by default. Override per account below.
You
Current age · retirement target · FIRE number
Affects HSA family limit and IRA phase-out thresholds
$
The total balance you want to reach — we'll show the age you'll hit it based on your inputs
Income
Salary · annual raise · bonus
$
%
Applied to salary each year through retirement
Annual Bonusoptional
$
%
401k / 403b
Balance · contribution · employer match
Catch-up contributions enabled — your annual limit increases by $8,000 at age 50
$
Contributions
%
% of salary per paycheck
%
% of salary matched
%
Using global: 7.0% — type to override
IRA
Balance · annual contribution
Catch-up contributions enabled — IRA limit increases by $1,100 at age 50
$
$
2026 limit: $7,500 · $8,600 at age 50+
%
Using global: 7.0% — type to override
HSA
Balance · annual contribution
$
$
2026 limit: $4,400 individual · $8,750 family
%
Using global: 7.0% — type to override
Brokerage
Balance · annual contribution
$
$
No IRS limit — contribute any amount after maxing tax-advantaged accounts
%
Using global: 7.0% — type to override
Cash / HYSA
Balance · monthly contribution · interest rate
$
$
Added to your HYSA each month
%
Current HYSA rates are typically 4–5% APY
Pension
Type · key details
$
%
% of salary added by employer
%
Annual interest on balance
%
Annual benefit = years × multiplier % × salary. E.g. 20 yrs × 1.5% × $80k = $24k/yr ($2k/mo)
%
Annual cost-of-living increase applied to your benefit payment
$
Benefit begins at start age and continues through retirement
%
Annual cost-of-living increase applied to your benefit payment
This calculator is for educational purposes only and does not constitute financial advice.
Consult a qualified financial advisor for personalized guidance.
Live Updating Results
Balance at Retirement
—
Years Away
—
Est. Monthly Income
—
Target Age
—
Chart appears as you fill in accounts
Income
Salary at retirement: —
Age
Salary
Raise
Bonus
401k / 403b
Balance at retirement: —
Age
Balance
Contrib %
Est. Amount
Match
IRA
Balance at retirement: —
Age
Balance
Contribution
HSA
Balance at retirement: —
Age
Balance
Contribution
Brokerage
Balance at retirement: —
Age
Balance
Contribution
Cash / HYSA
Balance at retirement: —
Age
Balance
Monthly Contrib
Pension
Benefit at retirement: —
Age
Value
Monthly Benefit
This calculator is for educational purposes only and does not constitute financial advice.
Consult a qualified financial advisor for personalized guidance.