Will your 401(k) and retirement savings last through retirement? Use this free calculator to find out. Enter your age, savings, and contributions to get year-by-year projections, see when your funds could run out, and explore what-if scenarios — all without creating an account.
💡 Good, but could be better
Age 65 to 86
This retirement calculator is provided for informational and educational purposes only. The projections and results displayed are estimates based on the information you provide and simplified assumptions about investment returns, inflation, and other factors.
By using this calculator, you acknowledge that you understand these limitations and agree that this tool should be used as one of many resources in your retirement planning process.
The earlier you start saving for retirement, the more time compound growth has to work in your favor. Even modest contributions in your 20s and 30s can grow into substantial savings by retirement age, because each year's gains generate their own returns in the years that follow.
One of the biggest risks in retirement planning is outliving your savings. With life expectancies rising, many retirees need their funds to last 25 to 30 years or more. Without a clear plan, it's easy to underestimate how much you'll need.
Small changes can make a big difference. Increasing your 401(k) contribution by just 1% — or delaying retirement by a year or two — can add tens of thousands of dollars to your lifetime savings. This calculator helps you visualize those effects so you can make informed decisions about your financial future.