See where your retirement savings are headed
This calculator projects how your 401(k), IRA, or other retirement account could grow by the time you retire. It combines your current balance, your monthly contributions, your employer match, and an expected annual return — then compounds it all until your target retirement age.
The results split your final balance into what you put in, what your employer added, and how much came from investment growth — which, over decades, is usually the largest piece.
Never leave the match on the table
An employer 401(k) match is effectively free money and an instant, guaranteed return on your contribution. If your employer matches 50% of what you put in, that's a 50% return before the market does anything. Contributing at least enough to capture the full match is one of the highest-value financial moves available.
Tips to grow your nest egg
- Start early. Decades of compounding beat larger contributions made later.
- Increase contributions with raises so you save more without feeling it.
- Keep fees low — index funds preserve more of your returns over time.
- Be realistic on returns — around 7% after inflation is a common long-term planning figure.