How much do I need to retire?

It depends on expected spending, Social Security, pensions, and withdrawal rate. This calculator projects nest-egg growth from current balance, contributions, and assumed return — use it to test scenarios, not as a guaranteed income promise. Markets, fees, and taxes are simplified in the model.

Should I include employer match?

Yes — enter your monthly employer 401(k) match so contributions reflect free employer dollars. Missing the match is often leaving guaranteed compensation on the table when your plan offers it. Match formulas vary by employer — enter the amount that hits your account.

Does starting early matter?

Starting earlier gives compound growth more time to work. The same monthly contribution started ten years sooner can produce a dramatically larger nest egg because later years build on a bigger base. Small contribution rate changes early often outweigh small return tweaks near retirement.

What about Social Security?

Use official government estimates as a planning input for retirement income alongside this projection. Future benefits can change with policy, earnings history, and legislative reforms over time. This tool is illustrative only and does not replace personalized financial advice from a qualified planner.

Is this financial advice?

No. Projections assume constant returns and simplify taxes, fees, and sequence-of-returns risk near retirement. Real markets fluctuate year to year. Consult a qualified financial planner for personalized retirement decisions tailored to your accounts, goals, timeline, and country-specific rules.