Retirement Calculator
See how retirement contributions affect your current paycheck and plan for long-term financial security. Optimize your 401(k), IRA, and other retirement savings.
Retirement Contribution Calculator
Income Information
Retirement Contributions
2025 limit: $23,500 ($31,000 if 50+)
2025 limit: $7,000 ($8,000 if 50+)
2025 limit: $7,000 ($8,000 if 50+)
Fill in your salary information above and click “Calculate Retirement Impact” to see the results.
2025 Retirement Contribution Limits
401(k) Plans
Employee Contribution$23,500
Age 50+ Catch-up+$7,500
Total Limit (50+)$31,000
Total w/ Employer$70,000
Traditional & Roth IRA
Annual Contribution$7,000
Age 50+ Catch-up+$1,000
Total Limit (50+)$8,000
* Income limits apply for deductibility and Roth eligibility
HSA (Triple Tax Advantage)
Individual$4,150
Family$8,300
Age 55+ Catch-up+$1,000
* Requires High-Deductible Health Plan
Retirement Savings Strategy
Contribution Priority Order
- 1Emergency Fund: 3-6 months expenses in savings
- 2Employer Match: Get full company 401(k) match (free money!)
- 3High-Interest Debt: Pay off credit cards, personal loans
- 4Max IRA: $7,000 in Traditional or Roth IRA
- 5Max 401(k): Increase to $23,500 annual limit
- 6Taxable Investing: Additional retirement savings
Traditional vs Roth Decision
Choose Traditional If:
- • Currently in high tax bracket
- • Expect lower retirement tax rate
- • Want immediate tax deduction
- • Need to reduce current taxable income
Choose Roth If:
- • Currently in low tax bracket
- • Young with long investment horizon
- • Want tax-free retirement withdrawals
- • Expect higher future tax rates
Age-Based Savings Guidelines
20s
10-15%
Start early for compound growth. Focus on Roth accounts.
30s
15-20%
Increase contributions as income grows. Balance traditional/Roth.
40s
20-25%
Peak earning years. Maximize contributions and catch up if behind.
50+
25%+
Use catch-up contributions. Plan withdrawal strategies.