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DCP Calculator
Select your monthly DCP contribution
$30 to $500
Savings information
$25.50 Monthly out-of-pocket amount
$54.00 Annual tax savings
$360.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $1,895 | $3,988 | $6,302 | $8,859 | $11,684 | $14,806 |
| 4% | $1,996 | $4,432 | $7,407 | $11,040 | $15,475 | $20,891 |
| 6% | $2,104 | $4,941 | $8,768 | $13,931 | $20,894 | $30,286 |
| 8% | $2,219 | $5,525 | $10,450 | $17,788 | $28,721 | $45,009 |
Savings information
$42.50 Monthly out-of-pocket amount
$90.00 Annual tax savings
$600.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $3,158 | $6,647 | $10,503 | $14,764 | $19,473 | $24,677 |
| 4% | $3,326 | $7,387 | $12,346 | $18,400 | $25,792 | $34,818 |
| 6% | $3,506 | $8,235 | $14,614 | $23,218 | $34,823 | $50,477 |
| 8% | $3,698 | $9,208 | $17,417 | $29,647 | $47,868 | $75,015 |
Savings information
$85.00 Monthly out-of-pocket amount
$180.00 Annual tax savings
$1,200.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $6,315 | $13,294 | $21,006 | $29,529 | $$38,947 | $$49,355 |
| 4% | $6,652 | $14,774 | $24,691 | $36,800 | $51,584 | $69,636 |
| 6% | $7,012 | $16,470 | $29,227 | $46,435 | $69,646 | $100,954 |
| 8% | $7,397 | $18,417 | $34,835 | $59,295 | $95,737 | $150,030 |
Savings information
$127.50 Monthly out-of-pocket amount
$270.00 Annual tax savings
$1,800.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $9,473 | $19,941 | $31,509 | $44,293 | $58,420 | $74,032 |
| 4% | $9,978 | $22,161 | $37,037 | $55,200 | $77,376 | $104,454 |
| 6% | $10,518 | $24,705 | $43,841 | $69,653 | $104,469 | $151,431 |
| 8% | $11,095 | $27,625 | $52,252 | $88,942 | $143,605 | $225,044 |
Savings information
$170.00 Monthly out-of-pocket amount
$360.00 Annual tax savings
$2,400.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $12,630 | $26,588 | $42,013 | $59,058 | $77,894 | $98,709 |
| 4% | $13,304 | $29,548 | $49,382 | $73,599 | $103,169 | $139,273 |
| 6% | $14,024 | $32,940 | $58,455 | $92,870 | $139,292 | $201,908 |
| 8% | $14,793 | $36,833 | $69,669 | $118,589 | $191,473 | $300,059 |
Savings information
$212.50 Monthly out-of-pocket amount
$450.00 Annual tax savings
$3,000.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $15,788 | $33,235 | $52,516 | $73,822 | $97,367 | $123,387 |
| 4% | $16,630 | $36,935 | $61,728 | $91,999 | $128,961 | $174,091 |
| 6% | $17,530 | $41,175 | $73,068 | $116,088 | $174,115 | $252,384 |
| 8% | $18,492 | $46,041 | $87,086 | $148,237 | $239,342 | $375,074 |
Savings information
$255.00 Monthly out-of-pocket amount
$540.00 Annual tax savings
$3,600.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $18,946 | $39,882 | $63,019 | $88,586 | $116,841 | $148,064 |
| 4% | $19,956 | $44,322 | $74,073 | $110,399 | $154,753 | $208,909 |
| 6% | $21,036 | $49,410 | $87,682 | $139,305 | $208,938 | $302,861 |
| 8% | $22,190 | $55,250 | $104,504 | $177,884 | $287,210 | $450,089 |
Savings information
$297.50 Monthly out-of-pocket amount
$630.00 Annual tax savings
$4,200.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $22,103 | $46,529 | $73,522 | $103,351 | $136,314 | $172,741 |
| 4% | $23,282 | $51,709 | $86,419 | $128,799 | $180,545 | $243,727 |
| 6% | $24,542 | $57,645 | $102,295 | $162,523 | $243,761 | $353,338 |
| 8% | $25,888 | $64,458 | $121,921 | $207,532 | $335,078 | $525,103 |
Savings information
$340.00 Monthly out-of-pocket amount
$720.00 Annual tax savings
$4,800.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $25,261 | $53,176 | $84,025 | $118,115 | $155,788 | $197,419 |
| 4% | $26,608 | $59,096 | $98,764 | $147,199 | $206,337 | $278,545 |
| 6% | $28,048 | $65,879 | $116,909 | $185,740 | $278,584 | $403,815 |
| 8% | $29,587 | $73,666 | $139,338 | $237,179 | $382,947 | $600,118 |
Savings information
$382.50 Monthly out-of-pocket amount
$810.00 Annual tax savings
$5,400.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $28,419 | $59,823 | $94,528 | $132,880 | $175,261 | $222,096 |
| 4% | $29,934 | $66,483 | $111,110 | $165,599 | $232,129 | $313,363 |
| 6% | $31,553 | $74,114 | $131,523 | $208,958 | $313,407 | $454,292 |
| 8% | $33,285 | $82,875 | $156,755 | $266,826 | $430,815 | $675,133 |
Savings information
$425.00 Monthly out-of-pocket amount
$900.00 Annual tax savings
$6,000.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $31,576 | $66,470 | $105,031 | $147,644 | $194,735 | $246,773 |
| 4% | $33,260 | $73,870 | $123,455 | $183,999 | $257,922 | $348,181 |
| 6% | $35,059 | $82,349 | $146,136 | $232,176 | $348,229 | $504,769 |
| 8% | $36,983 | $92,083 | $174,173 | $296,474 | $478,683 | $750,148 |
$550 to $1050
Savings information
$467.50 Monthly out-of-pocket amount
$990.00 Annual tax savings
$6,600.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $34,734 | $73,117 | $115,534 | $162,408 | $214,208 | $271,451 |
| 4% | $36,586 | $81,257 | $135,801 | $202,398 | $283,714 | $383,000 |
| 6% | $38,565 | $90,584 | $160,750 | $255,393 | $383,052 | $555,246 |
| 8% | $40,682 | $101,291 | $191,590 | $326,121 | $526,552 | $825,162 |
Savings information
$510.00 Monthly out-of-pocket amount
$1,080.00 Annual tax savings
$7,200.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $37,891 | $79,765 | $126,038 | $177,173 | $233,681 | $296,128 |
| 4% | $39,912 | $88,644 | $148,146 | $220,798 | $309,506 | $417,818 |
| 6% | $42,071 | $98,819 | $175,364 | $278,611 | $417,875 | $605,723 |
| 8% | $44,380 | $110,499 | $209,007 | $355,768 | $574,420 | $900,177 |
Savings information
$552.50 Monthly out-of-pocket amount
$1,170.00 Annual tax savings
$7,800.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $41,049 | $86,412 | $136,541 | $191,937 | $253,155 | $320,805 |
| 4% | $43,238 | $96,031 | $160,492 | $239,198 | $335,298 | $452,636 |
| 6% | $45,577 | $107,054 | $189,977 | $301,828 | $452,698 | $656,199 |
| 8% | $48,078 | $119,708 | $226,424 | $385,416 | $622,288 | $975,192 |
Savings information
$595.00 Monthly out-of-pocket amount
$1,260.00 Annual tax savings
$8,400.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $44,207 | $93,059 | $147,044 | $206,702 | $272,628 | $345,483 |
| 4% | $46,564 | $103,418 | $172,838 | $257,598 | $361,090 | $487,454 |
| 6% | $49,083 | $115,289 | $204,591 | $325,046 | $487,521 | $706,676 |
| 8% | $51,777 | $128,916 | $243,842 | $415,063 | $670,157 | $1,050,207 |
Savings information
$637.50 Monthly out-of-pocket amount
$1,350.00 Annual tax savings
$9,000.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $47,364 | $99,706 | $157,547 | $221,466 | $292,102 | $370,160 |
| 4% | $49,890 | $110,805 | $185,183 | $275,998 | $386,882 | $522,272 |
| 6% | $52,589 | $123,524 | $219,205 | $348,263 | $522,344 | $757,153 |
| 8% | $55,475 | $138,124 | $261,259 | $444,710 | $718,025 | $1,125,221 |
Savings information
$680.00 Monthly out-of-pocket amount
$1,440.00 Annual tax savings
$9,600.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $50,522 | $106,353 | $168,050 | $236,231 | $311,575 | $394,837 |
| 4% | $53,216 | $118,193 | $197,529 | $294,398 | $412,675 | $557,090 |
| 6% | $56,095 | $131,759 | $233,818 | $371,481 | $557,167 | $807,630 |
| 8% | $59,173 | $147,333 | $278,676 | $474,358 | $765,893 | $1,200,236 |
Savings information
$722.50 Monthly out-of-pocket amount
$1,530.00 Annual tax savings
$10,200.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $53,680 | $113,000 | $178,553 | $250,995 | $331,049 | $419,515 |
| 4% | $56,542 | $125,580 | $209,874 | $312,798 | $438,467 | $591,908 |
| 6% | $59,601 | $139,994 | $248,432 | $394,698 | $591,990 | $858,107 |
| 8% | $62,872 | $156,541 | $296,093 | $504,005 | $813,762 | $1,275,251 |
Savings information
$765.00 Monthly out-of-pocket amount
$1,620.00 Annual tax savings
$10,800.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $56,837 | $119,647 | $189,056 | $265,759 | $350,522 | $444,192 |
| 4% | $59,868 | $132,967 | $222,220 | $331,197 | $464,259 | $626,727 |
| 6% | $63,107 | $148,229 | $263,046 | $417,916 | $626,813 | $908,584 |
| 8% | $66,570 | $165,749 | $313,511 | $533,652 | $861,630 | $1,350,266 |
Savings information
$807.50 Monthly out-of-pocket amount
$1,710.00 Annual tax savings
$11,400.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $59,995 | $126,294 | $199,559 | $280,524 | $369,996 | $468,869 |
| 4% | $63,194 | $140,354 | $234,565 | $349,597 | $490,051 | $661,545 |
| 6% | $66,613 | $156,464 | $277,659 | $441,134 | $661,636 | $959,061 |
| 8% | $70,268 | $174,957 | $330,928 | $563,300 | $909,498 | $1,425,280 |
Savings information
$850.00 Monthly out-of-pocket amount
$1,800.00 Annual tax savings
$12,000.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $63,152 | $132,941 | $210,063 | $295,288 | $389,469 | $493,547 |
| 4% | $66,520 | $147,741 | $246,911 | $367,997 | $515,843 | $696,363 |
| 6% | $70,119 | $164,699 | $292,273 | $464,351 | $696,459 | $1,009,538 |
| 8% | $73,967 | $184,166 | $348,345 | $592,947 | $957,367 | $1,500,295 |
Savings information
$892.50 Monthly out-of-pocket amount
$1,890.00 Annual tax savings
$12,600.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $66,310 | $139,588 | $220,566 | $310,053 | $408,943 | $518,224 |
| 4% | $69,846 | $155,128 | $259,256 | $386,397 | $541,635 | $731,181 |
| 6% | $73,625 | $172,934 | $306,886 | $487,569 | $731,282 | $1,060,014 |
| 8% | $77,665 | $193,374 | $365,762 | $622,595 | $1,005,235 | $1,575,310 |
$1100 to $2000
Savings information
$935.00 Monthly out-of-pocket amount
$1,980.00 Annual tax savings
$13,200.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $69,468 | $146,235 | $231,069 | $324,817 | $428,416 | $542,901 |
| 4% | $73,172 | $162,515 | $271,602 | $404,797 | $567,428 | $765,999 |
| 6% | $77,131 | $181,169 | $321,500 | $510,786 | $766,105 | $1,110,491 |
| 8% | $81,363 | $202,582 | $383,180 | $652,242 | $1,053,103 | $1,650,325 |
Savings information
$1,020.00 Monthly out-of-pocket amount
$2,160.00 Annual tax savings
$14,400.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $75,783 | $159,529 | $252,075 | $354,346 | $467,363 | $592,256 |
| 4% | $79,824 | $177,289 | $296,293 | $441,597 | $619,012 | $835,635 |
| 6% | $84,143 | $197,638 | $350,727 | $557,221 | $835,751 | $1,211,445 |
| 8% | $88,760 | $220,999 | $418,014 | $711,537 | $1,148,840 | $1,800,354 |
Savings information
$1,105.00 Monthly out-of-pocket amount
$2,340.00 Annual tax savings
$15,600.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $82,098 | $172,823 | $273,081 | $383,875 | $506,310 | $641,611 |
| 4% | $86,476 | $192,063 | $320,984 | $478,396 | $670,596 | $905,272 |
| 6% | $91,155 | $214,108 | $379,955 | $603,656 | $905,397 | $1,312,399 |
| 8% | $96,157 | $239,415 | $452,849 | $770,831 | $1,244,577 | $1,950,384 |
Savings information
$1,190.00 Monthly out-of-pocket amount
$2,520.00 Annual tax savings
$16,800.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $88,413 | $186,117 | $294,088 | $413,403 | $545,257 | $690,965 |
| 4% | $93,128 | $206,837 | $345,675 | $515,196 | $722,181 | $974,908 |
| 6% | $98,166 | $230,578 | $409,182 | $650,092 | $975,043 | $1,413,353 |
| 8% | $103,553 | $257,832 | $487,683 | $830,126 | $1,340,313 | $2,100,413 |
Savings information
$1,275.00 Monthly out-of-pocket amount
$2,700.00 Annual tax savings
$18,000.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $94,729 | $199,411 | $315,094 | $442,932 | $584,204 | $740,320 |
| 4% | $99,780 | $221,611 | $370,366 | $551,996 | $773,765 | $1,044,544 |
| 6% | $105,178 | $247,048 | $438,409 | $696,527 | $1,044,688 | $1,514,306 |
| 8% | $110,950 | $276,249 | $522,518 | $889,421 | $1,436,050 | $2,250,443 |
Savings information
$1,360.00 Monthly out-of-pocket amount
$2,880.00 Annual tax savings
$19,200.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $101,044 | $212,705 | $336,100 | $472,461 | $623,151 | $789,675 |
| 4% | $106,432 | $236,385 | $395,057 | $588,796 | $825,349 | $1,114,181 |
| 6% | $112,190 | $263,518 | $467,636 | $742,962 | $1,114,334 | $1,615,260 |
| 8% | $118,347 | $294,665 | $557,352 | $948,716 | $1,531,787 | $2,400,472 |
Savings information
$1,445.00 Monthly out-of-pocket amount
$3,060.00 Annual tax savings
$20,400.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $107,359 | $225,999 | $357,106 | $501,990 | $662,098 | $839,029 |
| 4% | $113,084 | $251,159 | $419,748 | $625,595 | $876,934 | $1,183,817 |
| 6% | $119,202 | $279,988 | $496,864 | $789,397 | $1,183,980 | $1,716,214 |
| 8% | $125,743 | $313,082 | $592,187 | $1,008,010 | $1,627,523 | $2,550,502 |
Savings information
$1,530.00 Monthly out-of-pocket amount
$3,240.00 Annual tax savings
$21,600.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $113,674 | $239,294 | $378,113 | $531,519 | $701,044 | $888,384 |
| 4% | $119,736 | $265,933 | $444,439 | $662,395 | $928,518 | $1,253,453 |
| 6% | $126,214 | $296,458 | $526,091 | $835,832 | $1,253,626 | $1,817,168 |
| 8% | $133,140 | $331,498 | $627,021 | $1,067,305 | $1,723,260 | $2,700,531 |
Savings information
$1,615.00 Monthly out-of-pocket amount
$3,420.00 Annual tax savings
$22,800.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $119,990 | $252,588 | $399,119 | $561,048 | $739,991 | $937,739 |
| 4% | $126,388 | $280,707 | $469,131 | $699,195 | $980,102 | $1,323,090 |
| 6% | $133,226 | $312,928 | $555,318 | $882,267 | $1,323,272 | $1,918,121 |
| 8% | $140,537 | $349,915 | $661,856 | $1,126,600 | $1,818,996 | $2,850,561 |
Savings information
$1,700.00 Monthly out-of-pocket amount
$3,600.00 Annual tax savings
$24,000.00 Total annual contribution
How does time affect my savings?
| % Return | 05 Yrs | 10 Yrs | 15 Yrs | 20 Yrs | 25 Yrs | 30 Yrs |
|---|---|---|---|---|---|---|
| 2% | $126,305 | $265,882 | $420,125 | $590,576 | $778,938 | $987,093 |
| 4% | $133,040 | $295,481 | $493,822 | $735,994 | $1,031,687 | $1,392,726 |
| 6% | $140,238 | $329,397 | $584,546 | $928,702 | $1,392,918 | $2,019,075 |
| 8% | $147,933 | $368,331 | $696,690 | $1,185,894 | $1,914,733 | $3,000,590 |
Select the balance closest to the amount you expect to have at retirement.
$20,000 to $150,000
Check the row that matches the number of years you plan on being retired to see the monthly amount you could withdraw* if your average annual investment return was 2%, 4%, 6% or 8%
How does time affect my savings?
| Years | Monthly income | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| 5 | $349.97 | $367.11 | $384.73 | $402.84 |
| 10 | $183.72 | $201.82 | $220.94 | $241.05 |
| 15 | $128.49 | $147.45 | $167.93 | $189.86 |
| 20 | $101.01 | $120.79 | $142.57 | $166.18 |
| 25 | $84.63 | $105.22 | $128.22 | $153.34 |
| 30 | $73.80 | $95.17 | $119.31 | $145.78 |
| 35 | $66.14 | $88.26 | $113.47 | $141.11 |
| 40 | $60.46 | $83.31 | $109.50 | $138.14 |
Check the row that matches the number of years you plan on being retired to see the monthly amount you could withdraw* if your average annual investment return was 2%, 4%, 6% or 8%
| Years | Monthly income | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| 5 | $699.94 | $734.21 | $769.46 | $805.68 |
| 10 | $367.44 | $403.64 | $441.87 | $482.10 |
| 15 | $256.98 | $294.89 | $335.86 | $379.73 |
| 20 | $202.02 | $241.59 | $285.15 | $332.36 |
| 25 | $169.26 | $210.43 | $256.44 | $306.68 |
| 30 | $147.60 | $190.33 | $238.63 | $291.56 |
| 35 | $132.28 | $176.52 | $226.94 | $282.22 |
| 40 | $120.93 | $166.62 | $218.99 | $276.28 |
Check the row that matches the number of years you plan on being retired to see the monthly amount you could withdraw* if your average annual investment return was 2%, 4%, 6% or 8%
| Years | Monthly income | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| 5 | $1,049.92 | $1,101.32 | $1,154.20 | $1,208.53 |
| 10 | $551.16 | $605.45 | $662.81 | $723.14 |
| 15 | $385.46 | $442.34 | $503.80 | $569.59 |
| 20 | $303.02 | $362.38 | $427.72 | $498.54 |
| 25 | $253.89 | $315.65 | $384.66 | $460.02 |
| 30 | $221.40 | $285.50 | $357.94 | $437.34 |
| 35 | $198.43 | $264.78 | $340.41 | $423.33 |
| 40 | $181.39 | $249.93 | $328.49 | $414.42 |
Check the row that matches the number of years you plan on being retired to see the monthly amount you could withdraw* if your average annual investment return was 2%, 4%, 6% or 8%
| Years | Monthly income | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| 5 | $1,399.89 | $1,468.43 | $1,538.93 | $1,611.37 |
| 10 | $734.88 | $807.27 | $883.75 | $964.19 |
| 15 | $513.95 | $589.78 | $671.73 | $759.46 |
| 20 | $404.03 | $483.17 | $570.29 | $664.72 |
| 25 | $338.52 | $420.87 | $512.88 | $613.36 |
| 30 | $295.20 | $380.66 | $477.25 | $583.12 |
| 35 | $264.57 | $353.04 | $453.88 | $564.45 |
| 40 | $241.86 | $333.24 | $437.98 | $552.57 |
Check the row that matches the number of years you plan on being retired to see the monthly amount you could withdraw* if your average annual investment return was 2%, 4%, 6% or 8%
| Years | Monthly income | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| 5 | $1,749.86 | $1,835.53 | $1,923.66 | $2,014.21 |
| 10 | $918.60 | $1,009.09 | $1,104.68 | $1,205.24 |
| 15 | $642.44 | $737.23 | $839.66 | $949.32 |
| 20 | $505.04 | $603.97 | $712.87 | $830.90 |
| 25 | $423.15 | $526.08 | $641.10 | $766.70 |
| 30 | $369.00 | $475.83 | $596.57 | $728.91 |
| 35 | $330.71 | $441.30 | $567.35 | $705.56 |
| 40 | $302.32 | $416.55 | $547.48 | $690.71 |
Check the row that matches the number of years you plan on being retired to see the monthly amount you could withdraw* if your average annual investment return was 2%, 4%, 6% or 8%.
| Years | Monthly income | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| 5 | $2,624.79 | $2,753.30 | $2,885.49 | $3,021.32 |
| 10 | $1,377.91 | $1,513.63 | $1,657.02 | $1,807.86 |
| 15 | $963.66 | $1,105.85 | $1,259.49 | $1,423.98 |
| 20 | $757.56 | $905.95 | $1,069.30 | $1,246.35 |
| 25 | $634.72 | $789.12 | $961.64 | $1,150.06 |
| 30 | $553.51 | $713.74 | $894.85 | $1,093.36 |
| 35 | $496.07 | $661.96 | $851.03 | $1,058.34 |
| 40 | $453.48 | $624.82 | $821.21 | $1,036.06 |
$200,000 to $2,000,000
Check the row that matches the number of years you plan on being retired to see the monthly amount you could withdraw* if your average annual investment return was 2%, 4%, 6% or 8%
| Years | Monthly income | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| 5 | $3,499.72 | $3,671.07 | $3,847.32 | $4,028.42 |
| 10 | $1,837.21 | $2,018.18 | $2,209.36 | $2,410.48 |
| 15 | $1,284.88 | $1,474.46 | $1,679.32 | $1,898.65 |
| 20 | $1,010.08 | $1,207.93 | $1,425.73 | $1,661.80 |
| 25 | $846.30 | $1,052.17 | $1,282.19 | $1,533.41 |
| 30 | $738.01 | $951.66 | $1,193.14 | $1,457.81 |
| 35 | $661.42 | $882.61 | $1,134.71 | $1,411.11 |
| 40 | $604.64 | $833.10 | $1,094.95 | $1,381.41 |
Check the row that matches the number of years you plan on being retired to see the monthly amount you could withdraw* if your average annual investment return was 2%, 4%, 6% or 8%
| Years | Monthly income | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| 5 | $5,249.58 | $5,506.60 | $5,770.99 | $6,042.63 |
| 10 | $2,755.81 | $3,027.26 | $3,314.04 | $3,615.72 |
| 15 | $1,927.31 | $2,211.69 | $2,518.98 | $2,847.97 |
| 20 | $1,515.12 | $1,811.90 | $2,138.60 | $2,492.70 |
| 25 | $1,269.45 | $1,578.25 | $1,923.29 | $2,300.11 |
| 30 | $1,107.01 | $1,427.49 | $1,789.70 | $2,186.72 |
| 35 | $992.13 | $1,323.91 | $1,702.06 | $2,116.67 |
| 40 | $906.97 | $1,249.65 | $1,642.43 | $2,072.12 |
Check the row that matches the number of years you plan on being retired to see the monthly amount you could withdraw* if your average annual investment return was 2%, 4%, 6% or 8%
| Years | Monthly income | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| 5 | $8,749.30 | $9,177.67 | $9,618.31 | $10,071.06 |
| 10 | $4,593.02 | $5,045.44 | $5,523.41 | $6,026.21 |
| 15 | $3,212.19 | $3,686.15 | $4,198.29 | $4,746.62 |
| 20 | $2,525.21 | $3,019.84 | $3,564.33 | $4,154.50 |
| 25 | $2,115.75 | $2,630.42 | $3,205.48 | $3,833.52 |
| 30 | $1,845.02 | $2,379.15 | $2,982.84 | $3,644.53 |
| 35 | $1,653.56 | $2,206.52 | $2,836.76 | $3,527.79 |
| 40 | $1,511.61 | $2,082.75 | $2,737.38 | $3,453.53 |
Check the row that matches the number of years you plan on being retired to see the monthly amount you could withdraw* if your average annual investment return was 2%, 4%, 6% or 8%
| Years | Monthly income | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| 5 | $13,123.95 | $13,766.50 | $14,427.46 | $15,106.59 |
| 10 | $6,889.53 | $7,568.16 | $8,285.11 | $9,039.31 |
| 15 | $4,818.28 | $5,529.23 | $6,297.44 | $7,119.92 |
| 20 | $3,787.81 | $4,529.75 | $5,346.50 | $6,231.76 |
| 25 | $3,173.62 | $3,945.62 | $4,808.22 | $5,750.29 |
| 30 | $2,767.53 | $3,568.72 | $4,474.26 | $5,466.79 |
| 35 | $2,480.34 | $3,309.78 | $4,255.15 | $5,291.68 |
| 40 | $2,267.41 | $3,124.12 | $4,106.07 | $5,180.30 |
Check the row that matches the number of years you plan on being retired to see the monthly amount you could withdraw* if your average annual investment return was 2%, 4%, 6% or 8%
| Years | Monthly income | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| 5 | $17,498.60 | $18,355.34 | $19,236.62 | $20,142.11 |
| 10 | $9,186.04 | $10,090.88 | $11,046.82 | $12,052.41 |
| 15 | $6,424.38 | $7,372.30 | $8,396.59 | $9,493.23 |
| 20 | $5,050.42 | $6,039.67 | $7,128.67 | $8,309.01 |
| 25 | $4,231.49 | $5,260.83 | $6,410.96 | $7,667.05 |
| 30 | $3,690.04 | $4,758.29 | $5,965.68 | $7,289.05 |
| 35 | $3,307.12 | $4,413.04 | $5,673.53 | $7,055.57 |
| 40 | $3,023.22 | $4,165.50 | $5,474.76 | $6,907.07 |
Check the row that matches the number of years you plan on being retired to see the monthly amount you could withdraw* if your average annual investment return was 2%, 4%, 6% or 8%
| Years | Monthly income | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| 5 | $26,247.89 | $27,533.01 | $28,854.93 | $30,213.17 |
| 10 | $13,779.05 | $15,136.32 | $16,570.22 | $18,078.62 |
| 15 | $9,636.57 | $11,058.46 | $12,594.88 | $14,239.85 |
| 20 | $7,575.62 | $9,059.51 | $10,693.00 | $12,463.51 |
| 25 | $6,347.24 | $7,891.25 | $9,616.44 | $11,500.57 |
| 30 | $5,535.07 | $7,137.44 | $8,948.52 | $10,933.58 |
| 35 | $4,960.67 | $6,619.56 | $8,510.29 | $10,583.36 |
| 40 | $4,534.83 | $6,248.25 | $8,212.14 | $10,360.60 |
Check the row that matches the number of years you plan on being retired to see the monthly amount you could withdraw* if your average annual investment return was 2%, 4%, 6% or 8%
| Years | Monthly income | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| 5 | $34,997.19 | $36,710.68 | $38,473.24 | $40,284.23 |
| 10 | $18,372.07 | $20,181.76 | $22,093.63 | $24,104.82 |
| 15 | $12,848.76 | $14,744.61 | $16,793.17 | $18,986.47 |
| 20 | $10,100.83 | $12,079.34 | $14,257.33 | $16,618.01 |
| 25 | $8,462.98 | $10,521.66 | $12,821.92 | $15,334.10 |
| 30 | $7,380.09 | $9,516.58 | $11,931.35 | $14,578.10 |
| 35 | $6,614.23 | $8,826.07 | $11,347.06 | $14,111.14 |
| 40 | $6,046.44 | $8,331.00 | $10,949.53 | $13,814.14 |
Select the balance closest to the amount you expect to have at retirement.
$20,000 to $150,000
Check the row for the amount you would like to withdraw to see the number of years your investment could last* if your average annual investment return was 2%, 4%, 6% or 8%.
| Monthly Income | Years of withdrawals | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| $500 | 3.45 | 3.58 | 3.73 | 3.89 |
| $1,000 | 1.70 | 1.73 | 1.76 | 1.79 |
| $1,500 | 1.12 | 1.14 | 1.15 | 1.17 |
| $2,000 | 0.84 | 0.85 | 0.86 | 0.87 |
| $2,500 | 0.67 | 0.68 | 0.68 | 0.69 |
| $3,000 | 0.56 | 0.56 | 0.57 | 0.57 |
| $3,500 | 0.48 | 0.48 | 0.48 | 0.49 |
| $4,000 | 0.42 | 0.42 | 0.42 | 0.43 |
Check the row for the amount you would like to withdraw to see the number of years your investment could last* if your average annual investment return was 2%, 4%, 6% or 8%.
| Monthly Income | Years of withdrawals | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| $500 | 7.16 | 7.77 | 8.54 | 9.56 |
| $1,000 | 3.45 | 3.58 | 3.73 | 3.89 |
| $1,500 | 2.28 | 2.33 | 2.39 | 2.45 |
| $2,000 | 1.70 | 1.73 | 1.76 | 1.79 |
| $2,500 | 1.35 | 1.37 | 1.39 | 1.41 |
| $3,000 | 1.12 | 1.14 | 1.15 | 1.17 |
| $3,500 | 0.96 | 0.97 | 0.98 | 0.99 |
| $4,000 | 0.84 | 0.85 | 0.86 | 0.87 |
Check the row for the amount you would like to withdraw to see the number of years your investment could last* if your average annual investment return was 2%, 4%, 6% or 8%.
| Monthly Income | Years of withdrawals | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| $500 | 11.17 | 12.79 | 15.31 | 20.18 |
| $1,000 | 5.27 | 5.59 | 5.96 | 6.41 |
| $1,500 | 3.45 | 3.58 | 3.73 | 3.89 |
| $2,000 | 2.57 | 2.64 | 2.72 | 2.80 |
| $2,500 | 2.04 | 2.09 | 2.14 | 2.19 |
| $3,000 | 1.70 | 1.73 | 1.76 | 1.79 |
| $3,500 | 1.45 | 1.47 | 1.50 | 1.52 |
| $4,000 | 1.27 | 1.28 | 1.30 | 1.32 |
Check the row for the amount you would like to withdraw to see the number of years your investment could last* if your average annual investment return was 2%, 4%, 6% or 8%.
| Monthly Income | Years of withdrawals | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| $500 | 15.52 | 19.09 | 26.89 | Ongoing |
| $1,000 | 7.16 | 7.77 | 8.54 | 9.56 |
| $1,500 | 4.66 | 4.90 | 5.18 | 5.51 |
| $2,000 | 3.45 | 3.58 | 3.73 | 3.89 |
| $2,500 | 2.74 | 2.82 | 2.91 | 3.01 |
| $3,000 | 2.28 | 2.33 | 2.39 | 2.45 |
| $3,500 | 1.94 | 1.98 | 2.03 | 2.07 |
| $4,000 | 1.70 | 1.73 | 1.76 | 1.79 |
Check the row for the amount you would like to withdraw to see the number of years your investment could last* if your average annual investment return was 2%, 4%, 6% or 8%.
| Monthly Income | Years of withdrawals | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| $500 | 20.29 | 27.51 | Ongoing | Ongoing |
| $1,000 | 9.12 | 10.15 | 11.58 | 13.78 |
| $1,500 | 5.89 | 6.29 | 6.77 | 7.37 |
| $2,000 | 4.35 | 4.57 | 4.81 | 5.09 |
| $2,500 | 3.45 | 3.58 | 3.73 | 3.89 |
| $3,000 | 2.86 | 2.95 | 3.05 | 3.15 |
| $3,500 | 2.44 | 2.51 | 2.58 | 2.65 |
| $4,000 | 2.13 | 2.18 | 2.23 | 2.29 |
Check the row for the amount you would like to withdraw to see the number of years your investment could last* if your average annual investment return was 2%, 4%, 6% or 8%.
| Monthly Income | Years of withdrawals | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| $500 | 34.69 | Ongoing | Ongoing | Ongoing |
| $1,000 | 14.40 | 17.36 | 23.16 | Ongoing |
| $1,500 | 9.12 | 10.15 | 11.58 | 13.78 |
| $2,000 | 6.68 | 7.20 | 7.85 | 8.69 |
| $2,500 | 5.27 | 5.59 | 5.96 | 6.41 |
| $3,000 | 4.35 | 4.57 | 4.81 | 5.09 |
| $3,500 | 3.71 | 3.86 | 4.03 | 4.22 |
| $4,000 | 3.23 | 3.34 | 3.47 | 3.61 |
$200,000 to $2,000,000
Check the row for the amount you would like to withdraw to see the number of years your investment could last* if your average annual investment return was 2%, 4%, 6% or 8%.
| Monthly Income | Years of withdrawals | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| $500 | 54.98 | Ongoing | Ongoing | Ongoing |
| $1,000 | 20.29 | 27.51 | Ongoing | Ongoing |
| $1,500 | 12.58 | 14.72 | 18.36 | 27.56 |
| $2,000 | 9.12 | 10.15 | 11.58 | 13.78 |
| $2,500 | 7.16 | 7.77 | 8.54 | 9.56 |
| $3,000 | 5.89 | 6.29 | 6.77 | 7.37 |
| $3,500 | 5.01 | 5.29 | 5.62 | 6.01 |
| $4,000 | 4.35 | 4.57 | 4.81 | 5.09 |
Check the row for the amount you would like to withdraw to see the number of years your investment could last* if your average annual investment return was 2%, 4%, 6% or 8%.
| Monthly Income | Years of withdrawals | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| $500 | Ongoing | Ongoing | Ongoing | Ongoing |
| $1,000 | 34.69 | Ongoing | Ongoing | Ongoing |
| $1,500 | 20.29 | 27.51 | Ongoing | Ongoing |
| $2,000 | 14.40 | 17.36 | 23.16 | Ongoing |
| $2,500 | 11.17 | 12.79 | 15.31 | 20.18 |
| $3,000 | 9.12 | 10.15 | 11.58 | 13.78 |
| $3,500 | 7.71 | 8.43 | 9.35 | 10.63 |
| $4,000 | 6.68 | 7.20 | 7.85 | 8.69 |
Check the row for the amount you would like to withdraw to see the number of years your investment could last* if your average annual investment return was 2%, 4%, 6% or 8%.
| Monthly Income | Years of withdrawals | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| $500 | Ongoing | Ongoing | Ongoing | Ongoing |
| $1,000 | 89.66 | Ongoing | Ongoing | Ongoing |
| $1,500 | 40.58 | Ongoing | Ongoing | Ongoing |
| $2,000 | 26.97 | 44.87 | Ongoing | Ongoing |
| $2,500 | 20.29 | 27.51 | Ongoing | Ongoing |
| $3,000 | 16.28 | 20.31 | 29.94 | Ongoing |
| $3,500 | 13.61 | 16.19 | 20.93 | 38.18 |
| $4,000 | 11.69 | 13.50 | 16.39 | 22.47 |
Check the row for the amount you would like to withdraw to see the number of years your investment could last* if your average annual investment return was 2%, 4%, 6% or 8%.
| Monthly Income | Years of withdrawals | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| $500 | Ongoing | Ongoing | Ongoing | Ongoing |
| $1,000 | Ongoing | Ongoing | Ongoing | Ongoing |
| $1,500 | 89.66 | Ongoing | Ongoing | Ongoing |
| $2,000 | 49.08 | Ongoing | Ongoing | Ongoing |
| $2,500 | 34.69 | Ongoing | Ongoing | Ongoing |
| $3,000 | 26.97 | 44.87 | Ongoing | Ongoing |
| $3,500 | 22.11 | 31.37 | Ongoing | Ongoing |
| $4,000 | 18.75 | 24.56 | 46.33 | Ongoing |
Check the row for the amount you would like to withdraw to see the number of years your investment could last* if your average annual investment return was 2%, 4%, 6% or 8%.
| Monthly Income | Years of withdrawals | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| $500 | Ongoing | Ongoing | Ongoing | Ongoing |
| $1,000 | Ongoing | Ongoing | Ongoing | Ongoing |
| $1,500 | Ongoing | Ongoing | Ongoing | Ongoing |
| $2,000 | 89.66 | Ongoing | Ongoing | Ongoing |
| $2,500 | 54.98 | Ongoing | Ongoing | Ongoing |
| $3,000 | 40.58 | Ongoing | Ongoing | Ongoing |
| $3,500 | 32.36 | 76.24 | Ongoing | Ongoing |
| $4,000 | 26.97 | 44.87 | Ongoing | Ongoing |
Check the row for the amount you would like to withdraw to see the number of years your investment could last* if your average annual investment return was 2%, 4%, 6% or 8%.
| Monthly Income | Years of withdrawals | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| $500 | Ongoing | Ongoing | Ongoing | Ongoing |
| $1,000 | Ongoing | Ongoing | Ongoing | Ongoing |
| $1,500 | Ongoing | Ongoing | Ongoing | Ongoing |
| $2,000 | Ongoing | Ongoing | Ongoing | Ongoing |
| $2,500 | Ongoing | Ongoing | Ongoing | Ongoing |
| $3,000 | 89.66 | Ongoing | Ongoing | Ongoing |
| $3,500 | 62.69 | Ongoing | Ongoing | Ongoing |
| $4,000 | 49.08 | Ongoing | Ongoing | Ongoing |
Check the row for the amount you would like to withdraw to see the number of years your investment could last* if your average annual investment return was 2%, 4%, 6% or 8%.
| Monthly Income | Years of withdrawals | |||
|---|---|---|---|---|
| 2% | 4% | 6% | 8% | |
| $500 | Ongoing | Ongoing | Ongoing | Ongoing |
| $1,000 | Ongoing | Ongoing | Ongoing | Ongoing |
| $1,500 | Ongoing | Ongoing | Ongoing | Ongoing |
| $2,000 | Ongoing | Ongoing | Ongoing | Ongoing |
| $2,500 | Ongoing | Ongoing | Ongoing | Ongoing |
| $3,000 | Ongoing | Ongoing | Ongoing | Ongoing |
| $3,500 | 152.35 | Ongoing | Ongoing | Ongoing |
| $4,000 | 89.66 | Ongoing | Ongoing | Ongoing |
Important information
How much can I save?
All account value information given is FOR ILLUSTRATIVE PURPOSES ONLY. The totals and returns shown here do not represent returns for any particular investment, nor do they imply your future results will be similar. The value of your investments will fluctuate with market conditions. Withdrawals may be subject to income taxes.
The out-of-pocket and annual tax savings information is based on an annual salary of $50,000, after federal income taxes of 15%. No state income taxes are assumed.
How much can I withdraw and how long will it last?
This section assumes an annual increase in your payment of 3% to compensate for inflation. Please note, actual inflation rate may vary year to year. Withdrawals may be subject to income taxes. Amount shown on the page is before any federal or state income taxes (if any) are applied.
When the table shows “Ongoing,” this implies that your balance will last indefinitely with this combination of withdrawals and earnings.
