Retirement Calculator
Project your retirement savings across 401(k), IRA, and taxable accounts.
Your Retirement Plan
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$8,500 of $24,500 2026 limit
Hypothetical returns for illustration only. Actual returns will vary.
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Index funds: ~0.03%. Managed funds: 0.5%–1.5%.
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The 4% rule suggests withdrawing 4% of your portfolio in the first year of retirement, then adjusting for inflation. This has historically sustained portfolios for 30+ years.
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$
Monthly Income$11,767/moafter tax (simplified estimate)
Balance at Retirement$3.53MRange: $2.21M – $5.83M
You Contributed$897KMatch: $256K (assumes full vesting)
Investment Growth$2.63M75% of your balance
What if I saved more?
See how a higher contribution rate affects your retirement income.
Where Your Money Comes From
$3.5M401(k) Contributions$641K(18%)Employer Match$256K(7%)Investment Growth$2.6M(75%)
75% of your balance growth comes from investment returns — compound interest is your biggest asset.
Monthly Retirement Income
Current Monthly Salary
$7,083/mo
Projected Salary at RetirementGrowing at 3%/yr
$23,106/mo
Your Retirement Target75% of projected salary
$17,330/mo
Where it comes from
From Your Savings (after tax, simplified est.)
$11,767/mo
Your Projected Income
$11,767/mo
Target
You're $5,562/mo short of your target. Increasing contributions may help close the gap.
Important: This calculator provides estimates for educational purposes only and does not constitute financial, tax, or investment advice. Results are based on assumptions you provide and may not reflect actual outcomes. Consult a qualified financial advisor before making retirement decisions.
GrowByCredit is not a registered investment adviser, broker-dealer, or financial planner.
- Projections are based on hypothetical constant rates of return for illustration only. Actual returns will vary year to year and may be negative. Past performance does not guarantee future results.
- Tax calculations are simplified estimates using marginal rates. Individual tax situations vary, and state taxes are not included. Consult a tax professional.
- Visit ssa.gov/myaccount for your personalized Social Security estimate.
How We Calculate
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