US retirement · 2025 limits
401(k) / IRA Calculator
Are you on track for retirement? Enter your current savings and contributions to see your projected balance, gap, and how much more you need to save.
35
1870
67
5080
$50,000
$0 $1M
$500
$0 $3k
50% up to 6%
%
%
$75,000
$20k $500k
7.0%
1%14%
$60,000
$20k $300k
Projected balance at retirement
—
over 32 years
Target (4% rule)
—
at $60k/yr spend
Gap
—
shortfall
Progress toward retirement target
0%
Where your balance comes from
- Starting balance today
- —
- Your contributions
- —
- Employer match
- —
- Investment gains
- —
- = Projected balance
- —
How much more to save to hit the target?
Extra monthly needed
—
to close the gap
2025 401(k) limit
$23,500
$31,000 if age 50+
2025 IRA limit
$7,000
$8,000 if age 50+
Projected balance at different return rates
| Annual return | Projected balance | vs target |
|---|