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In observance of the Christmas Day federal holiday, the New York Stock Exchange and Capital Group’s U.S. offices will close early on Wednesday, December 24 and will be closed on Thursday, December 25. On December 24, the New York Stock Exchange (NYSE) will close at 1 p.m. (ET) and our service centers will close at 2 p.m. (ET)

Retirement Planning Calculator

  1. Background
  2. Estimates
  3. Investments I
  4. Investments II
  5. Results

Detailed Analysis — Investments — 1 of 2

11. Tax-Deferred/Tax-Exempt Retirement Accounts

Enter combined amounts for all retirement accounts in each category. Future annual contribution estimates should include the amount you plan to invest and employer contributions.

Current Dollar Value Estimated Future Annual Contributions Years to Contribute Hypothetical Growth Rate Before Retirement
Traditional and Roth 401(k)s and 403(b)s
$ $
Traditional and Roth IRAs (Individual Retirement Accounts)
$ $
Profit-Sharing, Money Purchase, SEP, SIMPLE and Other Plans
$ $

2025 Contribution Limits

401(k)/403(b): $23,500 ($31,000 if age 50-59 or 64+).
($34,750 if age 60-63)
The higher catch-up limit is effective January 1, 2025, and is only applicable to participants who attain ages 60, 61, 62, or 63 in 2025.

IRA: $7,000 ($8,000 if age 50+)

12. Other Tax-Deferred/Tax-Exempt Investments You Expect to Use for Retirement Income

Enter combined amounts for all investments in each category.

  Current Dollar Value Estimated Future Annual Contributions Years to Contribute Hypothetical Growth Rate Before Retirement
Fixed Annuities $ $
Variable Annuities $ $
Tax-Exempt Bonds $ $
Tax-Exempt Mutual Funds $ $
Other $ $

Growth Rates

Many financial professionals use the following growth rate estimates:

  • Stocks: 8%
  • Bonds: 7%
  • Savings Accounts/CDs: 4%

This calculator is for illustrative purposes only and is not intended to provide investment advice or portray actual investment results. Your financial situation and goals may change, so you might want to revisit the calculator at least once a year. Be sure to discuss your results with your financial professional.

The calculator does not take certain factors into account, including early withdrawal penalties, required minimum distributions and holding periods. Regular investing does not ensure a profit or protect against loss. Hypothetical annual rates of return are not intended to reflect actual results; your results may vary based on market conditions. The calculator compounds earnings annually and assumes that withdrawals are made at the beginning of the year.

This analyzer was developed by KJE Computer Solutions, which is not affiliated with American Funds. It is intended for use in making a rough estimate of retirement savings plans. We do not guarantee the accuracy of the results or their relevance to your particular circumstances.