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Calcimator

Retirement Planner Pro

Comprehensive retirement planning calculator. Project 401(k), IRA, and Roth savings with employer match. Estimate Social Security, calculate FIRE number, and analyze income gap. Includes success probability and early retirement impact analysis.

Inputs

The age at which you plan to retire.

$
$
$
$
%

Percentage of salary contributed to 401(k)

$
$
%
% of salary
$

Summary

Projected Retirement Balance

$2,810,005

Total Annual Retirement Income

$150,440

On Track?

Yes - on track!

Years to Retirement30
Years in Retirement25
Traditional 401(k)/IRA$1,694,562
Roth IRA/401(k)$796,745
Taxable Investments$318,698
Total Annual Contributions$21,400
Employer Match (Annual)$3,000
Max 401(k) Contribution$24,000
Max IRA Contribution$7,500
Over IRA Limit?No
Portfolio Withdrawals$112,400
Social Security (Estimated)$38,040
Desired Income$80,000
Income Gap-$70,440
Additional Monthly Savings Needed$0
FIRE Number$2,000,000
FIRE Progress140.5%
Years to FIRE0
Success Probability95%
Early Retirement Age60
Cost of 5 Years Early$900,397

Retirement Savings Projection

Account Breakdown at Retirement

Retirement Income Sources

FIRE Progress

Year-by-Year Projection

31 rows
AgeTraditionalRothTaxableTotal
35$50,000$25,000$10,000$85,000
36$67,410$33,170$13,268$113,848
37$86,039$41,912$16,765$144,715
38$105,971$51,266$20,506$177,743
39$127,299$61,274$24,510$213,083
40$150,120$71,984$28,793$250,897
41$174,539$83,442$33,377$291,358
42$200,667$95,703$38,281$334,651
43$228,623$108,823$43,529$380,975
44$258,537$122,860$49,144$430,541
45$290,544$137,880$55,152$483,577
46$324,792$153,952$61,581$540,325
How to Use This Calculator
  1. Enter your starting values to generate a projected timeline or schedule. The calculator will build a period-by-period breakdown so you can see how values change over time.
  2. Household Type — Household composition. Choose from: Single, Couple. default: 0.
  3. Your Current Age — Your current age in years. Accepts values from 18 to 80 (default: 35).
  4. Target Retirement Age — The age at which you plan to retire. Use the slider for quick adjustments or type a precise value. Accepts values from 50 to 75 (default: 65).
  5. Life Expectancy — enter a numeric value. Accepts values from 70 to 110 (default: 90).
  6. Your Annual Income — Your total yearly income. Accepts values from $0 to $2,000,000 (default: $100,000).
  7. Current Traditional 401(k)/IRA — enter a dollar amount. Accepts values from $0 to $10,000,000 (default: $50,000).
  8. Current Roth IRA/401(k) — enter a dollar amount. Accepts values from $0 to $10,000,000 (default: $25,000).
  9. Current Taxable Investments — enter a dollar amount. Accepts values from $0 to $10,000,000 (default: $10,000).
  10. 401(k) Contribution Rate — Percentage of salary contributed to 401(k) Use the slider for quick adjustments or type a precise value. Accepts values from 0 % to 30 % (default: 10 %).
  11. Roth IRA (Monthly) — enter a dollar amount. Use the slider for quick adjustments or type a precise value. Accepts values from $0 to $700 (default: $500).
  12. Taxable Savings (Monthly) — enter a dollar amount. Accepts values from $0 to $10,000 (default: $200).
  13. Employer Match % — Employer matches this % of your contribution Accepts values from 0 % to 100 % (default: 50 %).
  14. Match Up To — Employer matches up to this % of your salary Accepts values from 0 % of salary to 20 % of salary (default: 6 % of salary).
  15. Desired Annual Retirement Income — enter a dollar amount. Use the slider for quick adjustments or type a precise value. Accepts values from $30,000 to $200,000 (default: $80,000).
  16. Social Security Start Age — enter your preferred option from the dropdown. Choose from: 62 (reduced benefits), 65, 67 (full retirement age), 70 (maximum benefits). default: 67.
  17. Expand "Advanced Options" for additional fine-tuning. These optional inputs let you model more specific scenarios:
  18. Annual Pension Income — enter a dollar amount. Accepts values from $0 to $200,000 (default: $0).
  19. Pre-Retirement Return — enter a percentage value. Accepts values from 0 % to 15 % (default: 7 %).
  20. Post-Retirement Return — enter a percentage value. Accepts values from 0 % to 10 % (default: 5 %).
  21. Inflation Rate — Expected annual inflation rate. Accepts values from 0 % to 10 % (default: 2.5 %).
  22. Safe Withdrawal Rate — Traditional rule is 4% Accepts values from 2 % to 6 % (default: 4 %).
  23. Spouse Age — enter a numeric value. Accepts values from 18 to 80 (default: 35).
  24. Spouse Annual Income — enter a dollar amount. Accepts values from $0 to $2,000,000 (default: $0).
  25. Spouse Traditional 401(k)/IRA — enter a dollar amount. Accepts values from $0 to $10,000,000 (default: $0).
  26. Spouse Roth IRA/401(k) — enter a dollar amount. Accepts values from $0 to $10,000,000 (default: $0).
  27. Spouse 401(k) Contribution — enter a percentage value. Accepts values from 0 % to 100 % (default: 0 %).
  28. Once all inputs are set, review your results in the Results panel. Here's what each output means:
  29. Projected Retirement Balance — shown as a dollar amount. This is the primary result of this calculator.
  30. Total Annual Retirement Income — shown as a dollar amount. This is the primary result of this calculator.
  31. On Track? — your calculated result. This is the primary result of this calculator.
  32. Years to Retirement — shown as a numeric value.
  33. Years in Retirement — shown as a numeric value.
  34. Traditional 401(k)/IRA — shown as a dollar amount.
  35. Roth IRA/401(k) — shown as a dollar amount.
  36. Taxable Investments — shown as a dollar amount.
  37. Total Annual Contributions — shown as a dollar amount.
  38. Employer Match (Annual) — shown as a dollar amount.
  39. Max 401(k) Contribution — shown as a dollar amount.
  40. Max IRA Contribution — shown as a dollar amount.
  41. Over IRA Limit? — your calculated result.
  42. Portfolio Withdrawals — shown as a dollar amount.
  43. Social Security (Estimated) — shown as a dollar amount.
  44. Desired Income — shown as a dollar amount.
  45. Income Gap — shown as a dollar amount.
  46. Additional Monthly Savings Needed — shown as a dollar amount.
  47. FIRE Number — Amount needed to retire on investments alone
  48. FIRE Progress — shown as a numeric value.
  49. Years to FIRE — shown as a numeric value.
  50. Success Probability — shown as a numeric value.
  51. Early Retirement Age — shown as a numeric value.
  52. Cost of 5 Years Early — shown as a dollar amount.
  53. Scroll down to explore 4 charts (Retirement Savings Projection, Account Breakdown at Retirement, Retirement Income Sources, FIRE Progress) for a visual breakdown of the data.
  54. Check the Year-by-Year Projection for a detailed row-by-row breakdown. This is useful for spotting trends or finding values at specific points.
  55. Explore the related calculators below if you need deeper analysis or want to approach this topic from a different angle.
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