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.
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Inputs
The age at which you plan to retire.
Percentage of salary contributed to 401(k)
Summary
Projected Retirement Balance
$2,810,005.00
Total Annual Retirement Income
$150,440.00
On Track?
Yes - on track!
Retirement Savings Projection
Account Breakdown at Retirement
Retirement Income Sources
FIRE Progress
Year-by-Year Projection
31 rows| Age | Traditional | Roth | Taxable | Total |
|---|---|---|---|---|
| 35 | $50,000.00 | $25,000.00 | $10,000.00 | $85,000.00 |
| 36 | $67,410.00 | $33,170.00 | $13,268.00 | $113,848.00 |
| 37 | $86,039.00 | $41,912.00 | $16,765.00 | $144,715.00 |
| 38 | $105,971.00 | $51,266.00 | $20,506.00 | $177,743.00 |
| 39 | $127,299.00 | $61,274.00 | $24,510.00 | $213,083.00 |
| 40 | $150,120.00 | $71,984.00 | $28,793.00 | $250,897.00 |
| 41 | $174,539.00 | $83,442.00 | $33,377.00 | $291,358.00 |
| 42 | $200,667.00 | $95,703.00 | $38,281.00 | $334,651.00 |
| 43 | $228,623.00 | $108,823.00 | $43,529.00 | $380,975.00 |
| 44 | $258,537.00 | $122,860.00 | $49,144.00 | $430,541.00 |
| 45 | $290,544.00 | $137,880.00 | $55,152.00 | $483,577.00 |
| 46 | $324,792.00 | $153,952.00 | $61,581.00 | $540,325.00 |
How to Use This Calculator
- Select household type (single or couple) and enter your current and target retirement ages.
- Enter your current balances across traditional 401(k)/IRA, Roth IRA, and taxable accounts.
- Set your 401(k) contribution rate, monthly Roth contributions, and employer match details.
- Enter your desired annual retirement income (e.g., $80,000) and your Social Security start age.
- For couples, enter the spouse's age, income, and account balances as well.
- Review the projected retirement balance, total annual retirement income, and whether you are 'on track' for your goal.
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