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Your Details
18 yrs60 yrs
50 yrs80 yrs
$20.0K$500K
0%/yr8%/yr
Salary at retirement: $206K· Avg US: ~3%/yr
401(k) / Employer Plan
$0$3.00M
0% of salary25% of salary
= $708/mo ($8.5K/yr) · 2025 limit: $23,500
Employer Match
🎉 Free money: $2.5K/yr ($213/mo)
Lifetime match (with salary growth): $121K
Roth IRA
$0$1.00M
$0$2.0K
Tax-free growth and withdrawals · 2025 limit: $7,000/yr ($8,000 age 50+)
Taxable Brokerage
$0$3.00M
$0$5.0K
Grows with salary: $200/mo now \u2192 $485/mo at retirement
HSA (Health Savings Account)
$0$200K
$0$8.6K
Triple tax advantage: pre-tax in, tax-free growth, tax-free medical withdrawals
2025 limits: $4,300 individual / $8,550 family · $321/mo
Assumptions
3%12%
10%37%
Social Security Estimate
62 yrs70 yrs
FRA = 67 · Est. benefit: $2.9K/mo at age 67
🎯At Retirement
$3.10M
in 30 years
💰You Contribute
$982K
🏖\uFE0FPortfolio Income (4.5%)
$11.6K
Standard 4% rule
Portfolio Withdrawal
$11.6K/mo
+
Social Security
$2.9K/mo
=
Combined Monthly
$14.6K/mo
Pessimistic (-1\u03C3)
$919K
$3.4K/mo income
Expected
$3.10M
$11.6K/mo income
Optimistic (+1\u03C3)
$15.7M
$58.9K/mo income
🏦
TRADITIONAL 401(K)/IRA
$1.78M
After 22% tax:$1.39M
💜
ROTH IRA
$333K
Tax-free:$333K
💹
TAXABLE BROKERAGE
$455K
15% LTCG on $326K gains:$406K
🩺
HSA
$535K
Tax-free (medical):$535K
*Tax-free if used for qualified medical expenses. After 65, non-medical withdrawals taxed as income.
AFTER-TAX SPENDING POWER
Traditional: 22% income tax · Roth: tax-free · Taxable: 15% LTCG on gains · HSA: tax-free (medical)
$2.66M
Monthly Contribution Breakdown
Total: $1.6K/mo (grows with salary)Savings rate: 20%
📈Market Growth
$2.12M
216% return on contributions
Portfolio Growth Over Time
Shaded area = \u00B11 standard deviation (68% probability range)
📍 Milestones: $100K at age 38 · $250K at age 42 · $500K at age 47 · $1.00M at age 53 · $2.00M at age 60
What-If Comparison
Cost of Waiting 5 Years
-$712K
lost by delaying 5 years
If you wait until age 40 to start contributing (but keep existing savings invested), you lose $712K \u2014 that is $11.9K/month for every month you delay. Time in the market beats timing the market.