Estimate your future 401(k) balance at retirement.
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Try an Example
Pick a scenario to see how the calculator works, then adjust the values
Young Professional
A 30-year-old starting to build their retirement savings with a solid employer match.
Key values: Age 30 to 65 · $75K salary · 10% contribution
Aggressive Saver
A high earner maximizing contributions to retire early with a large nest egg.
Key values: Age 35 to 60 · $150K salary · 20% contribution
Mid-Career Catch-Up
A 50-year-old leveraging catch-up contributions to boost retirement savings.
Key values: Age 50 to 67 · $100K salary · 15% contribution
This calculator is also known as Tax-Advantaged Retirement Calculator.
Read the complete guideUnderstanding Tax-Advantaged Accounts
Tax-advantaged accounts like 401(k)s offer either upfront tax deductions or tax-free withdrawals in retirement.
Examples
Tax Strategy Example
Comparing Traditional vs. Roth contributions
This example shows how current and future tax rates affect your retirement savings strategy.
Key takeaway: Your expected tax situation in retirement should guide your choice between Traditional and Roth accounts.
Tax Optimization Strategies
Consider these approaches to maximize tax efficiency in your retirement planning.
- Evaluate tax diversification with both Traditional and Roth accounts
- Consider Roth conversions in low-income years
- Plan Required Minimum Distributions for tax efficiency
Frequently Asked Questions about Tax-Advantaged Retirement Calculator
Should I choose Traditional or Roth contributions?
If you expect to be in a lower tax bracket in retirement, Traditional may be better. If you expect higher taxes later, Roth could be advantageous.
Specialized Calculators
Choose from 6 specialized versions of this calculator, each optimized for specific use cases and calculation methods.
Calculation Type
6 CalculatorsSpecialized calculation methods for specific needs
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