U.S. Retirement Calculator
Enter your income, state, assets, and savings. See the number in seconds.
Before tax.
2026 single-filer estimate.
Cash, 401(k), IRA, investments.
401(k), brokerage, cash.
Will you add IRA money going forward?
%
If your job offers it.
%
Market estimate.
At 67, you could have
$2,016,477
After-tax paycheck
$10,080
monthly, to age 100
You put in
$539,540
401(k) / IRA / invest
Market growth
$1,476,936
compound growth
Reaches $0 at 100.
$5M$2.5M$0
3567100Estimated tax/year
$10,458
Federal + California
Cost of waiting 5 years
$644,045
Same monthly saving. Less time.
Your real life changes the number.
Add debt, rent, raises, kids, moving states, and big purchases. Then see the plan Capid would actually build.