Contribution Progress
Change one assumption below and see how a hypothetical balance at 65 could move. No account is required, and the numbers you type stay in your browser.
| Scenario | Balance at 65 | Monthly income | Status |
|---|---|---|---|
| Current plan | $742,000 | $3,090 | Shortfall $210 |
| Plus 2% contribution | $868,000 | $3,615 | On track |
| Add $250/mo | $937,000 | $3,910 | On track |
| Delay 2 years | $681,000 | $2,840 | Shortfall $460 |
Hypothetical estimates for education only, not financial advice. Investment involves risk, including possible loss of principal. Past performance does not guarantee future results.
Compare more savings scenarios or read how the projections are built.
Scenario
Adjust the extra monthly amount and the projection updates as you type. Nothing is stored on a server, no account is needed, and your entry stays in this browser.
Hypothetical illustration for educational purposes only, not financial advice. Investment involves risk, including possible loss of principal. Past performance does not guarantee future results. Figures are rounded and assume steady contributions; actual results may differ.
Milestones
Four ages change what a household may be able to contribute, withdraw, or claim. The states below follow one hypothetical planning path, shown for education only.
Starting at 50, workplace plans and IRAs may allow extra catch-up amounts on top of the standard limit. Check the current figures with your plan provider before you change your deferral rate.
CompleteIf you leave an employer during or after the year you turn 55, that plan could allow withdrawals without the early distribution penalty. Other accounts may still apply it, so review each one separately.
UpcomingAt 59 and a half, the early withdrawal penalty typically lifts for IRAs and most workplace accounts. Ordinary income tax on pre-tax balances still applies.
UpcomingAge 62 is the first point you may claim retirement benefits, at a permanently reduced amount. Claiming is a choice, not an automatic step, so compare it against waiting for a larger monthly figure.
Decision pointHypothetical milestones for educational use. Investment involves risk, including possible loss of principal. Past performance does not guarantee future results.
Tracker capabilities
Every monthly deposit is plotted against your target savings rate and your employer match ceiling, so you can see where free money stops and your own contributions take over.
Adjust one input at a time, such as a higher rate or a delayed start, and compare the balance at 65 against your current path before you commit to a change.
A short checklist for ages 50, 55, 59.5, 62, and the years after, with each item marked complete, open, or not applicable to your situation.
The tracker runs entirely in your browser. Your figures stay on the device you type them into, and you can clear them at any time by closing the tab.
Each projection is paired with a short description of the assumption behind it, written in ordinary words rather than industry shorthand.
Methodology
Every projection starts with three numbers you control: how much you contribute, how many years you stay invested, and how your balance grows. You type a monthly amount, pick an age, and the tracker compares that path against a baseline.
Results are hypothetical. A future return could land above or below the assumption you choose, and markets may move sharply in any single year. That is why the tool shows a range of scenarios instead of a single answer, and why every milestone is labelled with the assumption behind it.
Nothing you enter leaves your browser. No account, no sign-up, no data stored on our servers.
Investment involves risk, including possible loss of principal. Past performance does not guarantee future results. This tool is educational and is not financial advice.
Read the full methodology or review the default assumptions.
Questions
Send us a question about how the tracker models contribution progress, employer match ceilings, or a delayed start. We answer plainly, without sales pressure, and we point you to the exact assumption behind every number.