Compare calculators

Both calculators run independently — change the inputs on either side to compare results.

Retirement Contribution Optimizer

Calculate how much to contribute to your 401(k), IRA, and other retirement accounts each year. Use it when optimizing savings to capture your full employer match and stay within IRS limits.

Annual Gross Income ($)

Employer Match Rate (%)

Available for Retirement ($/month)

Fill in the required fields to see your result.

Budgeting

Retirement Catch-Up Calculator

Calculate the exact monthly savings required to reach your retirement goal given your current savings, expected returns, and years remaining. Ideal for anyone who started saving late or fell short after a financial setback.

Current Age (years)

Planned Retirement Age (years)

Current Retirement Savings ($)

Retirement Savings Goal ($)

Expected Annual Return (%)

Fill in the required fields to see your result.

Key differences

	Retirement Contribution Optimizer	Retirement Catch-Up Calculator
Category	Budgeting	Budgeting
Inputs required	3	5
Result	Optimal Annual Contribution ($)	Monthly Savings Needed ($)
What it does	Calculate how much to contribute to your 401(k), IRA, and other retirement accounts each year. Use it when optimizing savings to capture your full employer match and stay within IRS limits.	Calculate the exact monthly savings required to reach your retirement goal given your current savings, expected returns, and years remaining. Ideal for anyone who started saving late or fell short after a financial setback.