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Enter combined amounts for all retirement accounts in each category. Include existing accounts with previous employers. If you’re married, include your spouse’s investments.
Current dollar value: Enter an amount between $0 and $100,000,000 for the current dollar value of your retirement accounts. The calculator assumes that you’re fully vested in employer retirement accounts.
Estimated future annual contributions: Enter the annual amount you and your employer expect to invest in retirement accounts. 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. Your employer-sponsored retirement plan may set a lower limit. The calculator limits your IRA contributions to current maximums but does not decrease the contributions in subsequent years. Therefore, it is possible to overstate your contributions. You can check the box to have the calculator contribute the current maximum IRA amount automatically.
Tax year |
Age 49 and under |
Ages 50–59 and 64 and over |
Ages 60–63 |
|---|---|---|---|
2025 |
$23,500 |
$31,000 |
$34,750 |
Tax year |
Age 49 and under |
Age 50 and over |
|---|---|---|
2025 |
$7,000 |
$8,000 |
|
|
|
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 |
Years to contribute: Enter the number of years you plan to invest. The number of years to invest cannot exceed the number of years until retirement. For married couples, retirement begins when the first spouse retires.
Hypothetical growth rate before retirement: Select annual preretirement investment growth rate estimates from the drop-down menus. For a portfolio heavily weighted in stocks, you might recommend a growth rate of 8% or higher. For a more conservative portfolio that contains more bonds or cash, a growth rate of 6% or less could be appropriate. In general, the closer you are to retirement, the more conservatively you might invest. Investments with higher potential growth rates also generally involve a higher degree of risk. Hypothetical growth rates are not intended to reflect actual results; your results may vary.