How to use it
- Enter Starting amount.
- Enter Annual rate %.
- Enter Years.
- Enter Compounds / year.
- Enter Monthly contribution.
The formula
Employee plus employer contributions compound.
Worked example
A full match can add thousands a year at no extra cost to you.
Frequently asked questions
Grab the match?
Always — it's free money.
What return to assume?
A diversified long-term average, modestly.
Tips
- Start early; a decade of compounding is hard to replace.
- Always capture any employer match in full.
- Revisit your plan yearly as income changes.
Key terms
- Nest egg
- Total retirement savings.
- Drawdown
- Withdrawing from a pot over time.
- Match
- Employer contributions to your plan.