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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 Savings Calculator

Calculate the monthly contribution you need to retire comfortably at your target age. Uses your current savings, expected investment return, and a 25× income target based on the 4% withdrawal rule.

Current Age (years)

Planned Retirement Age (years)

Current Retirement Savings ($)

Desired Annual Retirement Income ($)

Expected Annual Return

Fill in the required fields to see your result.

Key differences

	Retirement Contribution Optimizer	Retirement Savings Calculator
Category	Budgeting	Budgeting
Inputs required	3	5
Result	Optimal Annual Contribution ($)	Required Monthly Savings ($)
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 monthly contribution you need to retire comfortably at your target age. Uses your current savings, expected investment return, and a 25× income target based on the 4% withdrawal rule.