Investments You Plan to Use for Retirement Income

Enter combined amounts for all investments in each category. If you are married, include your spouse’s investments. Don’t include investments that you aren’t planning to use for retirement income, such as a home, 529 college savings plans and holdings to be passed on to heirs.

Tax-deferred/tax-exempt retirement accounts should include all tax-advantaged investments, including traditional and Roth 401(k)s, 403(b)s and IRAs; profit-sharing, money purchase, SEP, SIMPLE and other plans; variable and fixed annuities; and tax-exempt bonds and mutual funds. Taxable investments to be used for retirement income should include other assets such as stocks, taxable bonds and mutual funds, savings accounts, CDs and real estate.

Current dollar value: Enter the current dollar value of your assets between $0 and $100,000,000. Combine the value of all accounts in each category. For example, include existing accounts with previous employers. The calculator assumes that you are fully vested in employer retirement accounts.

Estimated future annual contributions: Enter an amount between $0 and $10,000,000 that you and your employer expect to invest in retirement accounts annually. Be sure to include any employer matching contributions.

Annual IRS limits on contributions to 401(k) and 403(b) plans, IRAs and SIMPLE plans are shown below. Employer-sponsored plans may designate a lower limit. The calculator does not apply these limits, so it is possible to overstate your contributions.

401(k)/403(b) annual contribution limits

Tax year	Age 49 and under	Ages 50–59 and 64 and over	Ages 60–63
2025	$23,500	$31,000	$34,750

IRA annual contribution limits

Tax year	Age 49 and under	Age 50 and over
2025	$7,000	$8,000

SIMPLE plan contribution limits

			Additional catch-up salary deferral contribution if permitted by plan
Tax year	Plan size (# of employees)	Ages 49 and under	Ages 50–59 and 64 and over	Ages 50–59 and 64 and over
2025	25 or fewer	$17,600 or 100% of participant compensation, whichever is less	$3,850	$5,250
2025	26 or more	$16,500 or $17,600 if higher employer contributions are made*	$3,500 or $3,850 if higher contributions are made*	$5,250

Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.

Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.

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This content, developed by Capital Group, home of American Funds, should not be used as a primary basis for investment decisions and is not intended to serve as impartial investment or fiduciary advice.