Your 401(k) Clarity Calculator
Not sure if your retirement savings are on track? This free tool helps you see clearly — how much income your 401(k) may actually produce, how long it could last, and whether you may have an income gap in retirement.
No financial jargon. No account login required. Completely anonymous — we don't collect or store any of your information.
Takes about 3-5 minutes · 100% anonymous · Always free
Built for Real People, Not Wall Street
You don't need to be a financial expert to use this calculator. If any of these describe you, this tool was made with you in mind:
"I have a 401(k), but I'm not sure if it's enough."
You've been saving, but you're not sure what your balance will actually give you in retirement income.
"I want to know how long my money will last."
You want a clear picture of whether your savings can support you through your retirement years.
"I don't understand how taxes and fees affect me."
You know taxes and fees exist, but you're not sure how much they're actually costing you.
"I worry I might run out of money."
You want to see if there's a gap between what you'll need and what you'll have.
"I want to compare different retirement strategies."
What if I retire earlier? Save more? Get a different return? You can test all of these.
"I want a report I can take to my advisor."
Generate a clear PDF report with your projections that you can share with a professional.
Your Privacy Is Our Priority
This calculator is 100% anonymous. We do not collect your data. We do not ask for your name, email, or any personal information to use this tool. Your numbers stay on your screen and are never saved or shared with anyone.
And if you ever want help understanding your results? You will never pay us a dime. Our retirement reviews are completely free — no strings attached, no sales pitch, no obligations. We're here because we believe everyone deserves to understand their retirement.
Everything Your Retirement Statement Doesn't Tell You
Your 401(k) balance is just a number. This calculator turns it into answers you can actually use.
How Much Your Account Could Grow
See your projected balance at retirement based on your current savings, contributions, employer match, and expected returns.
What Income It May Produce
Find out your estimated monthly and annual income using safe withdrawal rates, so you know what your money can actually give you.
How Long Your Money May Last
Will you run out at age 80? 90? 95? See exactly how many years your savings could support you.
Whether You Have an Income Gap
Compare your projected retirement income against your expected expenses. See clearly if there's a surplus or a shortfall.
How Taxes & Fees Reduce Your Money
Many people don't realize how much federal and state taxes, plus hidden investment fees, eat into their retirement income.
What Happens If You Change Your Plan
Compare scenarios side by side — retire early, save more, change your withdrawal rate, or adjust your expected returns.
4 Simple Steps to Retirement Clarity
Just follow the steps below. We'll walk you through everything.
Personal Information
Tell Us About You
Enter your current age, when you want to retire, and how long you expect to live. This helps us calculate the timeframe for your retirement plan.
What you'll enter:
- Your current age (e.g., 35, 45, 55)
- Your desired retirement age (e.g., 60, 65, 67)
- Your estimated life expectancy (average is 85-90)
Tip: Don't worry about being exact — estimates work great. You can always come back and adjust your numbers.
Balance, Contributions & Growth
Enter Your Savings Details
Tell us what you have saved, how much you're contributing, and what you expect your investments to earn. This lets us project your future balance.
What you'll enter:
- Current retirement account balance (check your latest statement)
- How much you contribute each year
- Your employer match (if any) — this is free money!
- Expected annual investment return (7% is a common historical average)
- Investment fees/expense ratio (check your fund details)
Tip: If you're not sure about your employer match or fees, check your benefits portal or ask your HR department. Even a rough estimate helps.
Taxes & Withdrawal Strategy
Set Your Tax & Withdrawal Plan
Choose how much you plan to withdraw each year and estimate your taxes. This is important because taxes take a big bite out of retirement income that many people overlook.
What you'll enter:
- Withdrawal rate — how much of your balance you'll take out yearly (4% is a common guideline)
- Your expected federal tax bracket in retirement
- Your state of residence (tax rates are pre-loaded for you)
Tip: The "4% Rule" is a widely-used guideline. It suggests withdrawing 4% of your savings in year one, then adjusting for inflation. We'll show you what different rates look like.
Social Security, Pension & Costs
Add Other Income & Expenses
Enter any other income you expect in retirement (Social Security, pensions, rental income, etc.) and your estimated monthly expenses. This is how we calculate your income gap.
What you'll enter:
- Social Security estimate (check ssa.gov for your number)
- Pension, annuity, rental, or part-time income (if any)
- Estimated monthly expenses in retirement
Tip: Include everything you spend: housing, groceries, healthcare, insurance, transportation, entertainment. It's better to overestimate expenses than underestimate them.
Then What? Your Personalized Results
After you enter your information, you'll instantly see:
Your Projected Balance
How much your account may grow to by retirement.
Your Monthly Income
What your savings can give you each month, after taxes.
How Long It Lasts
The age when your account may run out of money.
Your Income Gap
Whether you'll have enough — or fall short.
Plus interactive charts, scenario comparisons, and a downloadable PDF report you can take to a financial advisor.
Ready to See Where You Stand?
It takes about 3-5 minutes. Everything is anonymous — we don't collect your name, email, or any personal data unless you choose to email yourself a report.
And if you want help after seeing your results? You will never pay us a dime. Our team is here to help — always free, no strings attached.
Disclaimer: This calculator provides estimates for educational purposes only. It does not constitute financial, tax, or legal advice. Results are based on your inputs and assumptions about future performance, which are not guaranteed. Please consult a qualified financial professional before making retirement planning decisions.
Retirement Planning Essentials
Simple explanations to help you make informed decisions about your retirement.