Retirement & Investment Calculator<\/title>\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js\"><\/script>\n<style>\n\tbody {\n\t\tfont-family: Arial, sans-serif; background: #f5f7fa; color: #333; margin: 20px; }\n\t\th1, h2 { color: #2c3e50; }\n\t\tsection { background: #fff; border-radius: 8px; box-shadow: 0 2px 5px rgb(0 0 0 \/ 0.1); padding: 15px 20px; margin-bottom: 25px; }\n\t\tlabel { display: block; margin: 10px 0 5px 0; font-weight: 600; }\n\t\tinput[type=\"number\"] { width: 100%; padding: 8px; border-radius: 4px; border: 1px solid #ccc; }\n\t\t.container { max-width: 900px; margin: auto; }\n\t\t#results { margin-bottom: 40px; }\n\t\tbutton { background-color: #2980b9; color: white; padding: 10px 25px; border: none; border-radius: 5px; font-weight: 700; cursor: pointer; }\n\t\tbutton:hover { background-color: #3498db; }\n\t\tfieldset { border: 1px solid #ccc; border-radius: 6px; padding: 15px 20px; margin-bottom: 25px; background: #fdfdfd; }\n\t\tlegend { font-size: 1.1em; font-weight: bold; color: #2c3e50; padding: 0 5px; }\n\t\t.form-columns { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 20px; margin-bottom: 20px; }\n\t\t.form-columns fieldset { flex: 1; min-width: 280px; max-width: 100%; box-sizing: border-box; }\n<\/style>\n<\/head>\n<body data-rsssl=1 data-rsssl=1>\n\n<h1>Retirement & Investment Calculator<\/h1>\n\n<form id=\"calcForm\" onsubmit=\"event.preventDefault(); calculate();\">\n\t<div class=\"form-columns\">\n\n \n <fieldset>\n <legend><strong>Basic Information<\/strong><\/legend>\n <label>Current Yearly Salary: <input type=\"number\" id=\"salaryGross\" value=\"101800\" step=\"1000\" \/><\/label>\n <label>Estimated Total Tax Rate (decimal): <input type=\"number\" id=\"taxRate\" value=\"0.27\" step=\"0.01\" min=\"0\" max=\"1\" \/><\/label>\n <label>Company Match % (decimal): <input type=\"number\" id=\"cmpyMatch\" value=\"0.06\" step=\"0.01\" min=\"0\" max=\"1\" \/><\/label>\n <label>Initial Roth 401k Contribution %: <input type=\"number\" id=\"perRoth401k\" value=\"0.10\" step=\"0.01\" min=\"0\" max=\"1\" \/><\/label>\n <label>Initial Trad 401k Contribution %: <input type=\"number\" id=\"perTrad401k\" value=\"0.00\" step=\"0.01\" min=\"0\" max=\"1\" \/><\/label>\n <label>HSA Initial Amount: <input type=\"number\" id=\"hsaAmt\" value=\"2000\" step=\"100\" \/><\/label>\n\t<label>401k Initial Amount: <input type=\"number\" id=\"int401kAmt\" value=\"2000\" step=\"100\" \/><\/label>\n\t<label>IRA Initial Amount: <input type=\"number\" id=\"intIraAmt\" value=\"2000\" step=\"100\" \/><\/label>\n <\/fieldset>\n\n \n <fieldset>\n <legend><strong>Growth & Predictions<\/strong><\/legend>\n <label>Estimated Return Rate % (decimal): <input type=\"number\" id=\"returnPer\" value=\"0.10\" step=\"0.01\" min=\"0\" max=\"1\" \/><\/label>\n <label>Estimated Yearly Inflation Rate % (decimal): <input type=\"number\" id=\"inflatPer\" value=\"0.03\" step=\"0.01\" min=\"0\" max=\"1\" \/><\/label>\n <label>Estimated Withdrawal Rate Upon Retirement % (decimal): <input type=\"number\" id=\"withdrawalPer\" value=\"0.035\" step=\"0.001\" min=\"0\" max=\"1\" \/><\/label>\n <label>Estimated Salary Raise % (decimal): <input type=\"number\" id=\"salaryRaise\" value=\"0.03\" step=\"0.01\" min=\"0\" max=\"1\" \/><\/label>\n <label>Roth 401k Annual Increase % (decimal): <input type=\"number\" id=\"rothIncrease\" value=\"0.01\" step=\"0.005\" min=\"0\" max=\"1\" \/><\/label>\n <label>Trad 401k Annual Increase % (decimal): <input type=\"number\" id=\"tradIncrease\" value=\"0.01\" step=\"0.005\" min=\"0\" max=\"1\" \/><\/label>\n <\/fieldset>\n\n \n <fieldset>\n <legend><strong>Timing & Limits<\/strong><\/legend>\n <label>401k Limit Start: <input type=\"number\" id=\"lim401kStart\" value=\"23000\" step=\"1000\" \/><\/label>\n <label>401k Limit End: <input type=\"number\" id=\"lim401kEnd\" value=\"61000\" step=\"1000\" \/><\/label>\n <label>401k Limit Step: <input type=\"number\" id=\"lim401kStep\" value=\"500\" step=\"100\" \/><\/label>\n <label>Year Start: <input type=\"number\" id=\"yearStart\" value=\"2024\" \/><\/label>\n <label>Year End: <input type=\"number\" id=\"yearEnd\" value=\"2100\" \/><\/label>\n <label>Retirement Year: <input type=\"number\" id=\"retire\" value=\"2052\" \/><\/label>\n <\/fieldset>\n\n <button type=\"submit\">Calculate<\/button>\n<\/form>\n\n\n<div id=\"chartsContainer\" style=\"margin-top: 20px; margin-bottom: 40px;\">\n <canvas id=\"chart401k\" height=\"100\"><\/canvas>\n <canvas id=\"chartTotal\" height=\"100\"><\/canvas>\n <canvas id=\"chartIRA\" height=\"100\"><\/canvas>\n <canvas id=\"chartHSA\" height=\"100\"><\/canvas>\n <canvas id=\"chartWithdrawal\" height=\"100\"><\/canvas>\n<\/div>\n\n<div id=\"results\"><\/div>\n\n<script>\nlet chart401kInstance, chartTotalInstance, chartIRAInstance, chartHSAInstance, chartWithdrawalInstance;\n\nfunction calculate() {\n \/\/ Read user inputs\n let salaryGross = Number(document.getElementById('salaryGross').value);\n let taxRate = Number(document.getElementById('taxRate').value);\n let cmpyMatch = Number(document.getElementById('cmpyMatch').value);\n let perRoth401k = Number(document.getElementById('perRoth401k').value);\n let perTrad401k = Number(document.getElementById('perTrad401k').value);\n let hsaAmt = Number(document.getElementById('hsaAmt').value);\n let returnPer = Number(document.getElementById('returnPer').value);\n let inflatPer = Number(document.getElementById('inflatPer').value);\n let withdrawalPer = Number(document.getElementById('withdrawalPer').value);\n let lim401kStart = Number(document.getElementById('lim401kStart').value);\n let lim401kEnd = Number(document.getElementById('lim401kEnd').value);\n let lim401kStep = Number(document.getElementById('lim401kStep').value);\n let yearStart = Number(document.getElementById('yearStart').value);\n let yearEnd = Number(document.getElementById('yearEnd').value);\n let retire = Number(document.getElementById('retire').value);\n let rothIncrease = Number(document.getElementById('rothIncrease').value);\n let tradIncrease = Number(document.getElementById('tradIncrease').value);\n let salaryRaise = Number(document.getElementById('salaryRaise').value);\n\n \/\/ Calculate years array\n let years = [];\n for(let y = yearStart; y <= yearEnd; y++) {\n years.push(y);\n }\n\n \/\/ Create 401k limits array\n let lim401k = [];\n for(let val = lim401kStart; val <= lim401kEnd; val += lim401kStep) {\n lim401k.push(val);\n }\n \/\/ If years exceed limits length, repeat last limit value\n while(lim401k.length < years.length) {\n lim401k.push(lim401k[lim401k.length - 1]);\n }\n\n \/\/ Starting values\n let intIraAmt = 1000;\n let intHsaAmt = hsaAmt;\n let int401kAmt = 20000;\n\n let hsaLim = 8550;\n let iraLim = 14000;\n let avgHsaLimIncrease = 77.5;\n let avgIraLimIncrease = 180;\n let hsaCatchUp = 1000; \/\/55 or older\n let iraCatchUp = 1000; \/\/50 or older\n let catchUp401k = 7500;\n\n \/\/ Arrays to hold yearly data\n let invst401k = [];\n let salaryNet = [];\n let roth401kAmt = [];\n let trad401kAmt = [];\n let amt401k = [];\n let withdrawalAmt = [];\n let hsaInvst = [];\n let hsaInvstd = [];\n let totInvst = [];\n let totInvstd = [];\n let iraInvst = [];\n let iraInvstd = [];\n\n \/\/ Current percents for increments\n let currentRoth = perRoth401k;\n let currentTrad = perTrad401k;\n\n let currentSalaryGross = salaryGross;\n\n for(let i = 0; i < years.length; i++) {\n if(years[i] < retire) {\n \/\/ Trad and Roth 401k amounts\n let tradAmt = currentTrad * currentSalaryGross;\n let rothAmt = currentRoth * (currentSalaryGross - tradAmt - hsaAmt) * (1 - taxRate);\n\n \/\/ Total 401k invest\n let total401kInvest = tradAmt + rothAmt;\n\n \/\/ Apply 401k limit (total of trad + roth)\n if(total401kInvest > lim401k[i]) {\n \/\/ Reduce Roth first to fit limit, not below zero\n let excess = total401kInvest - lim401k[i];\n rothAmt = Math.max(rothAmt - excess, 0);\n total401kInvest = tradAmt + rothAmt;\n if(total401kInvest > lim401k[i]) {\n \/\/ Reduce Trad if still over limit\n let newExcess = total401kInvest - lim401k[i];\n tradAmt = Math.max(tradAmt - newExcess, 0);\n total401kInvest = tradAmt + rothAmt;\n }\n }\n\n trad401kAmt[i] = tradAmt;\n roth401kAmt[i] = rothAmt;\n invst401k[i] = total401kInvest;\n\n \/\/ Calculate net salary\n salaryNet[i] = (currentSalaryGross - tradAmt - hsaAmt) * (1 - taxRate);\n\n \/\/ 401k value grows\n amt401k[i] = (i === 0 ? int401kAmt : amt401k[i-1]) * (1 + (returnPer - inflatPer)) + total401kInvest;\n\n \/\/ HSA investments\n if(years[i] >= 55) {\n hsaLim += hsaCatchUp;\n }\n hsaLim += avgHsaLimIncrease; \/\/ approximate increase each year\n\n \/\/ Limit HSA investment by hsaLim\n let hsaInvestThisYear = Math.min(hsaAmt, hsaLim);\n hsaInvst[i] = hsaInvestThisYear;\n hsaInvstd[i] = (i === 0 ? intHsaAmt : hsaInvstd[i-1]) * (1 + (returnPer - inflatPer)) + hsaInvestThisYear;\n\n \/\/ IRA investments\n if(years[i] >= 50) {\n iraLim += iraCatchUp;\n }\n iraLim += avgIraLimIncrease; \/\/ approximate increase each year\n\n let iraInvestThisYear = Math.min(intIraAmt, iraLim);\n iraInvst[i] = iraInvestThisYear;\n iraInvstd[i] = (i === 0 ? intIraAmt : iraInvstd[i-1]) * (1 + (returnPer - inflatPer)) + iraInvestThisYear;\n\n \/\/ Total invested value\n totInvst[i] = invst401k[i] + hsaInvst[i] + iraInvst[i];\n totInvstd[i] = amt401k[i] + hsaInvstd[i] + iraInvstd[i];\n\n \/\/ Withdrawals after retirement\n withdrawalAmt[i] = 0;\n\n \/\/ Increment investments percentages yearly with user set increments\n currentRoth = Math.min(currentRoth + rothIncrease, 1);\n currentTrad = Math.min(currentTrad + tradIncrease, 1);\n\n \/\/ Increment salary with raise\n currentSalaryGross *= (1 + salaryRaise);\n } else {\n \/\/ After retirement - no more investments\n invst401k[i] = 0;\n roth401kAmt[i] = 0;\n trad401kAmt[i] = 0;\n salaryNet[i] = 0;\n\n \/\/ 401k value decreases by withdrawals minus return\n if(i === 0) {\n amt401k[i] = int401kAmt * (1 + (returnPer - inflatPer)) - int401kAmt * withdrawalPer;\n } else {\n amt401k[i] = amt401k[i-1] * (1 + (returnPer - inflatPer)) - amt401k[i-1] * withdrawalPer;\n }\n amt401k[i] = Math.max(amt401k[i], 0);\n\n \/\/ HSA no more contributions, just returns\n hsaInvst[i] = 0;\n hsaInvstd[i] = hsaInvstd[i-1] * (1 + (returnPer - inflatPer));\n hsaInvstd[i] = Math.max(hsaInvstd[i], 0);\n\n \/\/ IRA no more contributions, just returns\n iraInvst[i] = 0;\n iraInvstd[i] = iraInvstd[i-1] * (1 + (returnPer - inflatPer));\n iraInvstd[i] = Math.max(iraInvstd[i], 0);\n\n \/\/ Total invested value declines due to withdrawals\n totInvst[i] = 0;\n totInvstd[i] = amt401k[i] + hsaInvstd[i] + iraInvstd[i];\n\n \/\/ Withdrawal amount this year (sum of all withdrawals, assume from 401k only)\n withdrawalAmt[i] = amt401k[i] * withdrawalPer;\n }\n }\n\n \/\/ Build results table\n let html = '<h2>Yearly Summary<\/h2>';\n html += '<table><thead><tr><th>Year<\/th><th>Net Salary<\/th><th>401k Invested<\/th><th>401k Value<\/th><th>IRA Value<\/th><th>HSA Value<\/th><th>Total Investments<\/th><th>Withdrawals<\/th><\/tr><\/thead><tbody>';\n for(let i=0; i<years.length; i++) {\n html += `<tr>\n\t <td>${years[i]}<\/td>\n\t <td>${salaryNet[i].toLocaleString('en-US', { style: 'currency', currency: 'USD' })}<\/td>\n\t <td>${invst401k[i].toLocaleString('en-US', { style: 'currency', currency: 'USD' })}<\/td>\n\t <td>${amt401k[i].toLocaleString('en-US', { style: 'currency', currency: 'USD' })}<\/td>\n\t <td>${iraInvstd[i].toLocaleString('en-US', { style: 'currency', currency: 'USD' })}<\/td>\n\t <td>${hsaInvstd[i].toLocaleString('en-US', { style: 'currency', currency: 'USD' })}<\/td>\n\t <td>${totInvstd[i].toLocaleString('en-US', { style: 'currency', currency: 'USD' })}<\/td>\n\t <td>${withdrawalAmt[i].toLocaleString('en-US', { style: 'currency', currency: 'USD' })}<\/td>\n\t<\/tr>`;\n }\n html += '<\/tbody><\/table>';\n\n document.getElementById('results').innerHTML = html;\n\n \/\/ Prepare data for charts\n \/\/ Reusing years, amt401k, totInvstd, iraInvstd, hsaInvstd, withdrawalAmt\n\n \/\/ Destroy existing charts if needed (simple way: clear canvas)\n \/\/ Optional: If you want to reuse Chart instances, store them globally.\n\n\/\/ Move chartsContainer above results:\n const charts = document.getElementById('chartsContainer');\n const results = document.getElementById('results');\n results.parentNode.insertBefore(charts, results);\n\n \/\/ Destroy previous charts if they exist to prevent duplicates\n if(chart401kInstance) chart401kInstance.destroy();\n if(chartTotalInstance) chartTotalInstance.destroy();\n if(chartIRAInstance) chartIRAInstance.destroy();\n if(chartHSAInstance) chartHSAInstance.destroy();\n if(chartWithdrawalInstance) chartWithdrawalInstance.destroy();\n\n \/\/ === 401k Chart ===\n const ctx401k = document.getElementById('chart401k').getContext('2d');\n chart401kInstance = new Chart(ctx401k, {\n type: 'line',\n data: {\n labels: years,\n datasets: [{\n label: '401k Value',\n data: amt401k,\n borderColor: 'blue',\n backgroundColor: 'rgba(0, 0, 255, 0.1)',\n tension: 0.3\n }]\n },\n\toptions: { responsive: true, plugins: { title: { display: true, text: '401k Value Over Time' } }, scales: { y: { ticks: { callback: v => '$' + v.toLocaleString() } } } }\n });\n\n \/\/ === Total Investment Chart ===\n const ctxTotal = document.getElementById('chartTotal').getContext('2d');\n chartTotalInstance = new Chart(ctxTotal, {\n type: 'line',\n data: {\n labels: years,\n datasets: [{\n label: 'Total Investments',\n data: totInvstd,\n borderColor: 'green',\n backgroundColor: 'rgba(0, 255, 0, 0.1)',\n tension: 0.3\n }]\n },\n\toptions: { responsive: true, plugins: { title: { display: true, text: 'Total Investment Value Over Time' } }, scales: { y: { ticks: { callback: v => '$' + v.toLocaleString() } } } }\n });\n\n \/\/ === IRA Chart ===\n const ctxIRA = document.getElementById('chartIRA').getContext('2d');\n chartIRAInstance = new Chart(ctxIRA, {\n type: 'line',\n data: {\n labels: years,\n datasets: [{\n label: 'IRA Value',\n data: iraInvstd,\n borderColor: 'orange',\n backgroundColor: 'rgba(255, 165, 0, 0.1)',\n tension: 0.3\n }]\n },\n\toptions: { responsive: true, plugins: { title: { display: true, text: 'IRA Value Over Time' } }, scales: { y: { ticks: { callback: v => '$' + v.toLocaleString() } } } }\n });\n\n \/\/ === HSA Chart ===\n const ctxHSA = document.getElementById('chartHSA').getContext('2d');\n chartHSAInstance = new Chart(ctxHSA, {\n type: 'line',\n data: {\n labels: years,\n datasets: [{\n label: 'HSA Value',\n data: hsaInvstd,\n borderColor: 'purple',\n backgroundColor: 'rgba(128, 0, 128, 0.1)',\n tension: 0.3\n }]\n },\n\toptions: { responsive: true, plugins: { title: { display: true, text: 'HSA Value Over Time' } }, scales: { y: { ticks: { callback: v => '$' + v.toLocaleString() } } } }\n });\n\n \/\/ === Withdrawals Chart ===\n const ctxWithdrawal = document.getElementById('chartWithdrawal').getContext('2d');\n chartWithdrawalInstance = new Chart(ctxWithdrawal, {\n type: 'line',\n data: {\n labels: years,\n datasets: [{\n label: 'Annual Withdrawals',\n data: withdrawalAmt,\n borderColor: 'red',\n backgroundColor: 'rgba(255, 0, 0, 0.1)',\n tension: 0.3\n }]\n },\n\toptions: { responsive: true, plugins: { title: { display: true, text: 'Withdrawals After Retirement Over Time' } }, scales: { y: { ticks: { callback: v => '$' + v.toLocaleString() } } } }\n });\n} \/\/ End Calculate\n<\/script>\n\n<\/body>\n<\/html>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you on track for retirement? 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{"id":13,"date":"2025-08-16T20:09:16","date_gmt":"2025-08-16T20:09:16","guid":{"rendered":"https:\/\/totalretirementcalculator.com\/?page_id=13"},"modified":"2025-08-17T16:48:36","modified_gmt":"2025-08-17T16:48:36","slug":"home","status":"publish","type":"page","link":"https:\/\/totalretirementcalculator.com\/?page_id=13","title":{"rendered":"Retirement Calculator"},"content":{"rendered":"\n

Are you on track for retirement? Use our calculator to check your progress.<\/p>\n\n\n\n

How the calculator works: Start with initial values such as your starting salary, your estimated tax rate, age, <\/p>\n\n\n\n

When calculating your target retirement savings, our default assumptions include:<\/p>\n\n\n\n

Retirement age of 65 (when most people will receive full Social Security benefits).<\/li>\n\n\n\n
A 6% rate of return before retirement and a 5% rate of return during retirement (assuming a more conservative portfolio).<\/li>\n\n\n\n
A 3% average annual inflation rate.<\/li>\n\n\n\n
Salary increases of 2% per year.<\/li>\n\n\n\n
Life expectancy of 95.<\/li>\n<\/ul>\n\n\n\n\n\n\n\n\nRetirement & Investment Calculator<\/title>\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js\"><\/script>\n<style>\n\tbody {\n\t\tfont-family: Arial, sans-serif; background: #f5f7fa; color: #333; margin: 20px; }\n\t\th1, h2 { color: #2c3e50; }\n\t\tsection { background: #fff; border-radius: 8px; box-shadow: 0 2px 5px rgb(0 0 0 \/ 0.1); padding: 15px 20px; margin-bottom: 25px; }\n\t\tlabel { display: block; margin: 10px 0 5px 0; font-weight: 600; }\n\t\tinput[type=\"number\"] { width: 100%; padding: 8px; border-radius: 4px; border: 1px solid #ccc; }\n\t\t.container { max-width: 900px; margin: auto; }\n\t\t#results { margin-bottom: 40px; }\n\t\tbutton { background-color: #2980b9; color: white; padding: 10px 25px; border: none; border-radius: 5px; font-weight: 700; cursor: pointer; }\n\t\tbutton:hover { background-color: #3498db; }\n\t\tfieldset { border: 1px solid #ccc; border-radius: 6px; padding: 15px 20px; margin-bottom: 25px; background: #fdfdfd; }\n\t\tlegend { font-size: 1.1em; font-weight: bold; color: #2c3e50; padding: 0 5px; }\n\t\t.form-columns { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 20px; margin-bottom: 20px; }\n\t\t.form-columns fieldset { flex: 1; min-width: 280px; max-width: 100%; box-sizing: border-box; }\n<\/style>\n<\/head>\n<body data-rsssl=1 data-rsssl=1>\n\n<h1>Retirement & Investment Calculator<\/h1>\n\n<form id=\"calcForm\" onsubmit=\"event.preventDefault(); calculate();\">\n\t<div class=\"form-columns\">\n\n \n <fieldset>\n <legend><strong>Basic Information<\/strong><\/legend>\n <label>Current Yearly Salary: <input type=\"number\" id=\"salaryGross\" value=\"101800\" step=\"1000\" \/><\/label>\n <label>Estimated Total Tax Rate (decimal): <input type=\"number\" id=\"taxRate\" value=\"0.27\" step=\"0.01\" min=\"0\" max=\"1\" \/><\/label>\n <label>Company Match % (decimal): <input type=\"number\" id=\"cmpyMatch\" value=\"0.06\" step=\"0.01\" min=\"0\" max=\"1\" \/><\/label>\n <label>Initial Roth 401k Contribution %: <input type=\"number\" id=\"perRoth401k\" value=\"0.10\" step=\"0.01\" min=\"0\" max=\"1\" \/><\/label>\n <label>Initial Trad 401k Contribution %: <input type=\"number\" id=\"perTrad401k\" value=\"0.00\" step=\"0.01\" min=\"0\" max=\"1\" \/><\/label>\n <label>HSA Initial Amount: <input type=\"number\" id=\"hsaAmt\" value=\"2000\" step=\"100\" \/><\/label>\n\t<label>401k Initial Amount: <input type=\"number\" id=\"int401kAmt\" value=\"2000\" step=\"100\" \/><\/label>\n\t<label>IRA Initial Amount: <input type=\"number\" id=\"intIraAmt\" value=\"2000\" step=\"100\" \/><\/label>\n <\/fieldset>\n\n \n <fieldset>\n <legend><strong>Growth & Predictions<\/strong><\/legend>\n <label>Estimated Return Rate % (decimal): <input type=\"number\" id=\"returnPer\" value=\"0.10\" step=\"0.01\" min=\"0\" max=\"1\" \/><\/label>\n <label>Estimated Yearly Inflation Rate % (decimal): <input type=\"number\" id=\"inflatPer\" value=\"0.03\" step=\"0.01\" min=\"0\" max=\"1\" \/><\/label>\n <label>Estimated Withdrawal Rate Upon Retirement % (decimal): <input type=\"number\" id=\"withdrawalPer\" value=\"0.035\" step=\"0.001\" min=\"0\" max=\"1\" \/><\/label>\n <label>Estimated Salary Raise % (decimal): <input type=\"number\" id=\"salaryRaise\" value=\"0.03\" step=\"0.01\" min=\"0\" max=\"1\" \/><\/label>\n <label>Roth 401k Annual Increase % (decimal): <input type=\"number\" id=\"rothIncrease\" value=\"0.01\" step=\"0.005\" min=\"0\" max=\"1\" \/><\/label>\n <label>Trad 401k Annual Increase % (decimal): <input type=\"number\" id=\"tradIncrease\" value=\"0.01\" step=\"0.005\" min=\"0\" max=\"1\" \/><\/label>\n <\/fieldset>\n\n \n <fieldset>\n <legend><strong>Timing & Limits<\/strong><\/legend>\n <label>401k Limit Start: <input type=\"number\" id=\"lim401kStart\" value=\"23000\" step=\"1000\" \/><\/label>\n <label>401k Limit End: <input type=\"number\" id=\"lim401kEnd\" value=\"61000\" step=\"1000\" \/><\/label>\n <label>401k Limit Step: <input type=\"number\" id=\"lim401kStep\" value=\"500\" step=\"100\" \/><\/label>\n <label>Year Start: <input type=\"number\" id=\"yearStart\" value=\"2024\" \/><\/label>\n <label>Year End: <input type=\"number\" id=\"yearEnd\" value=\"2100\" \/><\/label>\n <label>Retirement Year: <input type=\"number\" id=\"retire\" value=\"2052\" \/><\/label>\n <\/fieldset>\n\n <button type=\"submit\">Calculate<\/button>\n<\/form>\n\n\n<div id=\"chartsContainer\" style=\"margin-top: 20px; margin-bottom: 40px;\">\n <canvas id=\"chart401k\" height=\"100\"><\/canvas>\n <canvas id=\"chartTotal\" height=\"100\"><\/canvas>\n <canvas id=\"chartIRA\" height=\"100\"><\/canvas>\n <canvas id=\"chartHSA\" height=\"100\"><\/canvas>\n <canvas id=\"chartWithdrawal\" height=\"100\"><\/canvas>\n<\/div>\n\n<div id=\"results\"><\/div>\n\n<script>\nlet chart401kInstance, chartTotalInstance, chartIRAInstance, chartHSAInstance, chartWithdrawalInstance;\n\nfunction calculate() {\n \/\/ Read user inputs\n let salaryGross = Number(document.getElementById('salaryGross').value);\n let taxRate = Number(document.getElementById('taxRate').value);\n let cmpyMatch = Number(document.getElementById('cmpyMatch').value);\n let perRoth401k = Number(document.getElementById('perRoth401k').value);\n let perTrad401k = Number(document.getElementById('perTrad401k').value);\n let hsaAmt = Number(document.getElementById('hsaAmt').value);\n let returnPer = Number(document.getElementById('returnPer').value);\n let inflatPer = Number(document.getElementById('inflatPer').value);\n let withdrawalPer = Number(document.getElementById('withdrawalPer').value);\n let lim401kStart = Number(document.getElementById('lim401kStart').value);\n let lim401kEnd = Number(document.getElementById('lim401kEnd').value);\n let lim401kStep = Number(document.getElementById('lim401kStep').value);\n let yearStart = Number(document.getElementById('yearStart').value);\n let yearEnd = Number(document.getElementById('yearEnd').value);\n let retire = Number(document.getElementById('retire').value);\n let rothIncrease = Number(document.getElementById('rothIncrease').value);\n let tradIncrease = Number(document.getElementById('tradIncrease').value);\n let salaryRaise = Number(document.getElementById('salaryRaise').value);\n\n \/\/ Calculate years array\n let years = [];\n for(let y = yearStart; y <= yearEnd; y++) {\n years.push(y);\n }\n\n \/\/ Create 401k limits array\n let lim401k = [];\n for(let val = lim401kStart; val <= lim401kEnd; val += lim401kStep) {\n lim401k.push(val);\n }\n \/\/ If years exceed limits length, repeat last limit value\n while(lim401k.length < years.length) {\n lim401k.push(lim401k[lim401k.length - 1]);\n }\n\n \/\/ Starting values\n let intIraAmt = 1000;\n let intHsaAmt = hsaAmt;\n let int401kAmt = 20000;\n\n let hsaLim = 8550;\n let iraLim = 14000;\n let avgHsaLimIncrease = 77.5;\n let avgIraLimIncrease = 180;\n let hsaCatchUp = 1000; \/\/55 or older\n let iraCatchUp = 1000; \/\/50 or older\n let catchUp401k = 7500;\n\n \/\/ Arrays to hold yearly data\n let invst401k = [];\n let salaryNet = [];\n let roth401kAmt = [];\n let trad401kAmt = [];\n let amt401k = [];\n let withdrawalAmt = [];\n let hsaInvst = [];\n let hsaInvstd = [];\n let totInvst = [];\n let totInvstd = [];\n let iraInvst = [];\n let iraInvstd = [];\n\n \/\/ Current percents for increments\n let currentRoth = perRoth401k;\n let currentTrad = perTrad401k;\n\n let currentSalaryGross = salaryGross;\n\n for(let i = 0; i < years.length; i++) {\n if(years[i] < retire) {\n \/\/ Trad and Roth 401k amounts\n let tradAmt = currentTrad * currentSalaryGross;\n let rothAmt = currentRoth * (currentSalaryGross - tradAmt - hsaAmt) * (1 - taxRate);\n\n \/\/ Total 401k invest\n let total401kInvest = tradAmt + rothAmt;\n\n \/\/ Apply 401k limit (total of trad + roth)\n if(total401kInvest > lim401k[i]) {\n \/\/ Reduce Roth first to fit limit, not below zero\n let excess = total401kInvest - lim401k[i];\n rothAmt = Math.max(rothAmt - excess, 0);\n total401kInvest = tradAmt + rothAmt;\n if(total401kInvest > lim401k[i]) {\n \/\/ Reduce Trad if still over limit\n let newExcess = total401kInvest - lim401k[i];\n tradAmt = Math.max(tradAmt - newExcess, 0);\n total401kInvest = tradAmt + rothAmt;\n }\n }\n\n trad401kAmt[i] = tradAmt;\n roth401kAmt[i] = rothAmt;\n invst401k[i] = total401kInvest;\n\n \/\/ Calculate net salary\n salaryNet[i] = (currentSalaryGross - tradAmt - hsaAmt) * (1 - taxRate);\n\n \/\/ 401k value grows\n amt401k[i] = (i === 0 ? int401kAmt : amt401k[i-1]) * (1 + (returnPer - inflatPer)) + total401kInvest;\n\n \/\/ HSA investments\n if(years[i] >= 55) {\n hsaLim += hsaCatchUp;\n }\n hsaLim += avgHsaLimIncrease; \/\/ approximate increase each year\n\n \/\/ Limit HSA investment by hsaLim\n let hsaInvestThisYear = Math.min(hsaAmt, hsaLim);\n hsaInvst[i] = hsaInvestThisYear;\n hsaInvstd[i] = (i === 0 ? intHsaAmt : hsaInvstd[i-1]) * (1 + (returnPer - inflatPer)) + hsaInvestThisYear;\n\n \/\/ IRA investments\n if(years[i] >= 50) {\n iraLim += iraCatchUp;\n }\n iraLim += avgIraLimIncrease; \/\/ approximate increase each year\n\n let iraInvestThisYear = Math.min(intIraAmt, iraLim);\n iraInvst[i] = iraInvestThisYear;\n iraInvstd[i] = (i === 0 ? intIraAmt : iraInvstd[i-1]) * (1 + (returnPer - inflatPer)) + iraInvestThisYear;\n\n \/\/ Total invested value\n totInvst[i] = invst401k[i] + hsaInvst[i] + iraInvst[i];\n totInvstd[i] = amt401k[i] + hsaInvstd[i] + iraInvstd[i];\n\n \/\/ Withdrawals after retirement\n withdrawalAmt[i] = 0;\n\n \/\/ Increment investments percentages yearly with user set increments\n currentRoth = Math.min(currentRoth + rothIncrease, 1);\n currentTrad = Math.min(currentTrad + tradIncrease, 1);\n\n \/\/ Increment salary with raise\n currentSalaryGross *= (1 + salaryRaise);\n } else {\n \/\/ After retirement - no more investments\n invst401k[i] = 0;\n roth401kAmt[i] = 0;\n trad401kAmt[i] = 0;\n salaryNet[i] = 0;\n\n \/\/ 401k value decreases by withdrawals minus return\n if(i === 0) {\n amt401k[i] = int401kAmt * (1 + (returnPer - inflatPer)) - int401kAmt * withdrawalPer;\n } else {\n amt401k[i] = amt401k[i-1] * (1 + (returnPer - inflatPer)) - amt401k[i-1] * withdrawalPer;\n }\n amt401k[i] = Math.max(amt401k[i], 0);\n\n \/\/ HSA no more contributions, just returns\n hsaInvst[i] = 0;\n hsaInvstd[i] = hsaInvstd[i-1] * (1 + (returnPer - inflatPer));\n hsaInvstd[i] = Math.max(hsaInvstd[i], 0);\n\n \/\/ IRA no more contributions, just returns\n iraInvst[i] = 0;\n iraInvstd[i] = iraInvstd[i-1] * (1 + (returnPer - inflatPer));\n iraInvstd[i] = Math.max(iraInvstd[i], 0);\n\n \/\/ Total invested value declines due to withdrawals\n totInvst[i] = 0;\n totInvstd[i] = amt401k[i] + hsaInvstd[i] + iraInvstd[i];\n\n \/\/ Withdrawal amount this year (sum of all withdrawals, assume from 401k only)\n withdrawalAmt[i] = amt401k[i] * withdrawalPer;\n }\n }\n\n \/\/ Build results table\n let html = '<h2>Yearly Summary<\/h2>';\n html += '<table><thead><tr><th>Year<\/th><th>Net Salary<\/th><th>401k Invested<\/th><th>401k Value<\/th><th>IRA Value<\/th><th>HSA Value<\/th><th>Total Investments<\/th><th>Withdrawals<\/th><\/tr><\/thead><tbody>';\n for(let i=0; i<years.length; i++) {\n html += `<tr>\n\t <td>${years[i]}<\/td>\n\t <td>${salaryNet[i].toLocaleString('en-US', { style: 'currency', currency: 'USD' })}<\/td>\n\t <td>${invst401k[i].toLocaleString('en-US', { style: 'currency', currency: 'USD' })}<\/td>\n\t <td>${amt401k[i].toLocaleString('en-US', { style: 'currency', currency: 'USD' })}<\/td>\n\t <td>${iraInvstd[i].toLocaleString('en-US', { style: 'currency', currency: 'USD' })}<\/td>\n\t <td>${hsaInvstd[i].toLocaleString('en-US', { style: 'currency', currency: 'USD' })}<\/td>\n\t <td>${totInvstd[i].toLocaleString('en-US', { style: 'currency', currency: 'USD' })}<\/td>\n\t <td>${withdrawalAmt[i].toLocaleString('en-US', { style: 'currency', currency: 'USD' })}<\/td>\n\t<\/tr>`;\n }\n html += '<\/tbody><\/table>';\n\n document.getElementById('results').innerHTML = html;\n\n \/\/ Prepare data for charts\n \/\/ Reusing years, amt401k, totInvstd, iraInvstd, hsaInvstd, withdrawalAmt\n\n \/\/ Destroy existing charts if needed (simple way: clear canvas)\n \/\/ Optional: If you want to reuse Chart instances, store them globally.\n\n\/\/ Move chartsContainer above results:\n const charts = document.getElementById('chartsContainer');\n const results = document.getElementById('results');\n results.parentNode.insertBefore(charts, results);\n\n \/\/ Destroy previous charts if they exist to prevent duplicates\n if(chart401kInstance) chart401kInstance.destroy();\n if(chartTotalInstance) chartTotalInstance.destroy();\n if(chartIRAInstance) chartIRAInstance.destroy();\n if(chartHSAInstance) chartHSAInstance.destroy();\n if(chartWithdrawalInstance) chartWithdrawalInstance.destroy();\n\n \/\/ === 401k Chart ===\n const ctx401k = document.getElementById('chart401k').getContext('2d');\n chart401kInstance = new Chart(ctx401k, {\n type: 'line',\n data: {\n labels: years,\n datasets: [{\n label: '401k Value',\n data: amt401k,\n borderColor: 'blue',\n backgroundColor: 'rgba(0, 0, 255, 0.1)',\n tension: 0.3\n }]\n },\n\toptions: { responsive: true, plugins: { title: { display: true, text: '401k Value Over Time' } }, scales: { y: { ticks: { callback: v => '$' + v.toLocaleString() } } } }\n });\n\n \/\/ === Total Investment Chart ===\n const ctxTotal = document.getElementById('chartTotal').getContext('2d');\n chartTotalInstance = new Chart(ctxTotal, {\n type: 'line',\n data: {\n labels: years,\n datasets: [{\n label: 'Total Investments',\n data: totInvstd,\n borderColor: 'green',\n backgroundColor: 'rgba(0, 255, 0, 0.1)',\n tension: 0.3\n }]\n },\n\toptions: { responsive: true, plugins: { title: { display: true, text: 'Total Investment Value Over Time' } }, scales: { y: { ticks: { callback: v => '$' + v.toLocaleString() } } } }\n });\n\n \/\/ === IRA Chart ===\n const ctxIRA = document.getElementById('chartIRA').getContext('2d');\n chartIRAInstance = new Chart(ctxIRA, {\n type: 'line',\n data: {\n labels: years,\n datasets: [{\n label: 'IRA Value',\n data: iraInvstd,\n borderColor: 'orange',\n backgroundColor: 'rgba(255, 165, 0, 0.1)',\n tension: 0.3\n }]\n },\n\toptions: { responsive: true, plugins: { title: { display: true, text: 'IRA Value Over Time' } }, scales: { y: { ticks: { callback: v => '$' + v.toLocaleString() } } } }\n });\n\n \/\/ === HSA Chart ===\n const ctxHSA = document.getElementById('chartHSA').getContext('2d');\n chartHSAInstance = new Chart(ctxHSA, {\n type: 'line',\n data: {\n labels: years,\n datasets: [{\n label: 'HSA Value',\n data: hsaInvstd,\n borderColor: 'purple',\n backgroundColor: 'rgba(128, 0, 128, 0.1)',\n tension: 0.3\n }]\n },\n\toptions: { responsive: true, plugins: { title: { display: true, text: 'HSA Value Over Time' } }, scales: { y: { ticks: { callback: v => '$' + v.toLocaleString() } } } }\n });\n\n \/\/ === Withdrawals Chart ===\n const ctxWithdrawal = document.getElementById('chartWithdrawal').getContext('2d');\n chartWithdrawalInstance = new Chart(ctxWithdrawal, {\n type: 'line',\n data: {\n labels: years,\n datasets: [{\n label: 'Annual Withdrawals',\n data: withdrawalAmt,\n borderColor: 'red',\n backgroundColor: 'rgba(255, 0, 0, 0.1)',\n tension: 0.3\n }]\n },\n\toptions: { responsive: true, plugins: { title: { display: true, text: 'Withdrawals After Retirement Over Time' } }, scales: { y: { ticks: { callback: v => '$' + v.toLocaleString() } } } }\n });\n} \/\/ End Calculate\n<\/script>\n\n<\/body>\n<\/html>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you on track for retirement? Use our calculator to check your progress. How the calculator works: Start with initial values such as your starting salary, your estimated tax rate, age, When calculating your target retirement savings, our default assumptions include: Retirement & Investment Calculator Retirement & Investment Calculator Basic Information Current Yearly Salary: Estimated…<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-13","page","type-page","status-publish","hentry"],"yoast_head":"\n<title>Retirement Calculator - Total Retirement Calculator<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/totalretirementcalculator.com\/?page_id=13\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Retirement Calculator - Total Retirement Calculator\" \/>\n<meta property=\"og:description\" content=\"Are you on track for retirement? 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