Grow a 401(k) to retirement, then see the sustainable income it produces.
How this is calculated Embed on your siteA 401(k) retirement income calculator projects your account balance to retirement, then shows the sustainable annual and monthly income it can produce at your chosen withdrawal rate.
A 401(k) balance is only meaningful as the income it produces. Applying a safe withdrawal rate, commonly 4%, converts the projected balance into a yearly income you could draw with reasonable confidence of not running out. This reframes 'how much have I saved' as the more useful 'how much can I spend.'
Withdrawals from a traditional 401(k) are taxed as ordinary income, so the sustainable income shown here is pre-tax, your spendable amount is lower. A Roth 401(k) flips this: contributions are taxed now and qualified withdrawals are tax-free. Factoring taxes in is essential when translating a balance into real spending power.
Project the balance to retirement and apply a withdrawal rate, about 4% a year is common. The calculator shows the annual and monthly income, before tax.
Traditional 401(k) withdrawals are taxed as ordinary income. Roth 401(k) withdrawals are tax-free if qualified. The income shown here is pre-tax.
Around 4% of the starting balance, adjusted for inflation, is a common guideline for a roughly 30-year retirement. Lower rates are more conservative.
See the exact formula and a worked example on our methodology page.