Projected balance at retirement
$2,575,192
At age 65, based on your contributions and 7% annual return.
Then it will last
∞
Lasts indefinitely at this withdrawal.
SustainableWithdrawing $5,000/mo ($60,000/yr)
Balance in retirement
The calculator runs in two stages. First it simulates the years between your current age and your retirement age, compounding your balance monthly and adding your annual contribution — plus any employer match — every year along the way. That produces your projected balance on the day you retire.
Second, it takes that balance and runs the same monthly drawdown we use in the retirement calculator: your money continues to earn your expected return while you withdraw a fixed monthly amount. The chart shows the balance from retirement forward until it hits zero — or forever, if growth exceeds withdrawals.
The employer match percentage in this calculator is applied to your own annual contribution. A 50% match on $15,000 of contributions adds $7,500 to your yearly total. Match caps and vesting schedules vary by employer — this tool assumes the full match applies and is fully vested.
The calculator uses nominal dollars and a level annual return — it does not model market volatility, inflation, IRS contribution limits, or required minimum distributions. Treat the result as a planning estimate and adjust your inputs conservatively.