Free Interactive Retirement Savings Planner

Interactive Retirement Savings Planner

Compare IRA, stock market, bond, cash, real estate, and Saver’s Match outcomes.

Use this visual planner to estimate how much you may have at retirement, compare common investment paths, understand the direct Federal Saver’s Match, and see how low fees, contribution increases, inflation, and asset appreciation change the result.

TrumpIRA.gov mode For workers without employer retirement plan access.

Up to $1,000 match Modeled as 50% of the first $2,000 when income eligible.

Visual comparison Projected final balance, today’s dollars, income, fees, and match value.

Your Retirement Plan Inputs

Change the numbers below to build a personalized retirement savings forecast.

Starting age

Retirement date

Current savings balance

Monthly contribution

Annual contribution increase

Inflation assumption

Desired monthly income in today’s dollars

Taxable account return drag

Federal Saver’s Match Settings

Filing status

Eligible savers

Estimated MAGI

Annual MAGI growth

Include the direct Federal Saver’s Match.
Applies from 2027 onward when the saver is income eligible and contributes to a qualifying IRA or retirement plan. Apply estimated IRA contribution limits.
Uses 2026 IRA limits as a base, grows them by your inflation assumption, and routes extra savings into a taxable overflow account. I meet the basic Saver’s Match eligibility screen.
Use this only if age 18+, not a full-time student, and not claimed as a dependent.

Your Estimated Retirement Outcome

These results update instantly as you change your plan.

Best projected balance $0 Best method

Today’s dollars $0 Inflation-adjusted estimate

Monthly income $0 Estimated using a 4% rule

Retirement age 0 0 years invested

Projected Growth Over Time

Planner Insight

Enter your plan details to see your best-fit retirement savings path.

Edit Investment Methods and Return Assumptions

Turn methods on or off, adjust annual return estimates, and change fees. Higher returns usually come with higher volatility and greater risk of loss.

Retirement Balance Comparison

Bars compare projected ending balances in today’s dollars, helping the user see which method produces the strongest inflation-adjusted outcome.

Detailed Method Comparison

Use this table to compare projected match value, personal contributions, fees, final balance, and estimated retirement income.

Method	Assumed Return	Fees	Federal Match	Personal Contributions	Projected Balance	Today’s Dollars	4% Monthly Income

Federal Program Notes Built Into This Planner

The calculator includes the latest federal marketplace and Saver’s Match details as editable planning assumptions.

TrumpIRA.gov marketplace

Modeled for workers without employer-sponsored retirement plan access, including independent contractors, part-time workers, self-employed workers, and small-business employees.

View federal executive order

Low-cost IRA screen

Marketplace-listed IRAs are modeled with a 0.15% expense ratio cap, no minimum contribution requirement, and no minimum balance requirement.

View marketplace criteria

Direct Saver’s Match

Modeled as 50% of the first $2,000 in qualified contributions per eligible saver, up to $1,000, with income phaseout rules.

View 26 U.S.C. 6433

This retirement planner is for educational planning only and is not financial, investment, tax, or legal advice. Future returns, inflation, tax rules, IRA limits, TrumpIRA.gov implementation details, Federal Saver’s Match thresholds, market performance, real estate appreciation, and asset values can change. Users should verify eligibility and consult a qualified financial or tax professional before making retirement decisions.

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Disclaimer: The content provided on this webpage is for informational purposes only and is not intended to be a substitute for professional advice. While we strive to ensure the accuracy and timeliness of the information presented here, the details may change over time or vary in different jurisdictions. Therefore, we do not guarantee the completeness, reliability, or absolute accuracy of this information. The information on this page should not be used as a basis for making legal, financial, or any other key decisions. We strongly advise consulting with a qualified professional or expert in the relevant field for specific advice, guidance, or services. By using this webpage, you acknowledge that the information is offered “as is” and that we are not liable for any errors, omissions, or inaccuracies in the content, nor for any actions taken based on the information provided. We shall not be held liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to, use of, or reliance on any content on this page.

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