Retirement Calculator
Are you on track? See what your 401k or IRA could be worth — and what you need to save.
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The free calculator gives you one number. The workbook gives you the whole deal: cap rate, monthly cash flow, house-hacking math, and 5-year projections — in Excel or Google Sheets. One-time $49, instant download, 30-day money-back guarantee.
See what's inside →📉 Five years late costs about $205,000
Every year you do not start is a year the compounding does not run: five years of delay takes about $205,000 off the total and turns a $500 monthly habit into a $753 one just to land in the same place. Twelve months of waiting on a mortgage has cost +$77/month and $22,706 in interest on the median U.S. home. See the math, with the sources — updated monthly from Freddie Mac, Case-Shiller and Census data.
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This calculator projects your retirement balance based on current savings, monthly contributions (including employer match),
and expected annual returns. We assume contributions continue until your retirement age.
The 4% Rule: In retirement, you can typically withdraw 4% of your balance annually without running out
of money. So $1 million = $40,000/year income. Aim to save 10-15% of your income for retirement.