What's inside
- Plan: age, retirement age, salary and raises, your contribution %, your employer's match (% matched, up to % of salary) and any non-matching contribution, balance today, other saving (IRA etc.), return, inflation, withdrawal rate and your income goal
- 2026 IRS limits built in and editable: $24,500, plus the $8,000 catch-up at 50+ and $11,250 at ages 60-63; your contribution is capped automatically
- Results: balance at retirement, income it pays, what you vs your employer vs growth contributed, match you get vs could get, the gap to your goal, the contribution % that closes it, and the age you'd get there at today's rate
- Year by year: salary, contributions, balance, the balance needed at each age, and a chart
- Sample: age 32, $72,000, 4% contributed with a 50% match up to 6%: $15,283 a year vs a $30,000 goal. 12% of salary closes the gap, and $720 of free match is missed this year
Checked, not just designed: all 3,106 formulas recalculate with zero errors, and every result was checked against an independent year-by-year simulation in 10 scenarios, including catch-up ages and the limit.
Works in Excel and Google Sheets. Projections, not financial advice.
Try the free version first
The free online calculator uses the same model for a quick answer. The spreadsheet adds tracking, history and the full views.