Capid
Full plan

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
3567100

Estimated 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.

Build my plan
All tools

Behind the estimate

What this calculator includes

Start with your income, state, age, current assets, and monthly savings. Add IRA contributions, your workplace match, and an expected growth rate to see a projected retirement balance.

The estimate uses 2026 single-filer federal and state tax rules to show a rough after-tax monthly retirement paycheck. It spreads your balance through age 100 while continuing to apply the growth rate you select.

Social Security, investment fees, inflation, future tax-law changes, and uneven market returns are not included. Treat the result as a planning estimate, not a guarantee.

Learn how retirement taxes work ->Try the simpler retirement calculator ->Calculate your employer match ->

U.S. retirement calculator questions

How does the U.S. retirement calculator work?

It projects your current assets, monthly savings, IRA contributions, and employer match to your chosen retirement age using the growth rate you select.

Does the calculator include state taxes?

Yes. It estimates federal and selected-state taxes using 2026 single-filer rules, including how that state treats retirement income. Your actual taxes may differ.

How is the after-tax retirement paycheck calculated?

The calculator spreads your projected balance across retirement through age 100, keeps applying your selected growth rate, and subtracts estimated federal and state taxes.