See what your money could grow into

Enter a few numbers to see how steady saving and compound growth could add up by retirement, and what waiting could cost.

Ways to boost this

• Get the full employer 401(k) match. If your employer matches contributions, not contributing enough to get the full match leaves part of your pay on the table.
• Roth vs. traditional IRA. Traditional contributions may lower your taxes now; qualified Roth withdrawals can be tax-free later. Which fits better depends on your tax situation today versus in retirement.
• Health Savings Account (HSA). If you have an eligible high-deductible health plan, an HSA can offer tax advantages on money going in, growing, and coming out for qualified medical expenses.
• Raise contributions with raises. Try the "yearly contribution increase" box above to see the effect of bumping savings a little each year.

General education only. Contribution limits and eligibility rules change; check IRS.gov or ask us how they apply to your taxes.

Disclaimer: This is a hypothetical illustration for educational purposes only. It assumes a constant rate of return compounded monthly, with contributions at the end of each month, and does not account for taxes, fees, or market ups and downs. Actual results will vary and are not guaranteed. This is not investment, financial, or tax advice; consider talking with a qualified professional before making decisions. The 4% figure is a common rule of thumb, not a guarantee. We do not store or send the numbers you enter; everything is calculated in your browser.