Contribution Calculator

Could you invest just 2 percent more?

Use this calculator to see how much more you could accumulate in your employer retirement plan over time by increasing the amount that you contribute from each paycheck. Even 2 percent more from your pay could make a big difference. Enter information about your current situation, your current and proposed new contribution rate, anticipated pay increases and how long the money might be invested, as well as your own assumptions about the growth rate of your investments, and see the difference for yourself*.

For additional information, see How to use the Contribution Calculator.
The Contribution Calculator was created with Sun Microsystems' Java, which is a programming language for adding animation and other action to Web sites. Java-based applications (called applets) can play back on any graphical system that's Web-ready, but your Web browser has to be Java-compatible for you to see it.

The applet could not load for one of the following two reasons:

  1. Your browser does not support Java.
  2. Your browser supports Java, but does not have Java turned on.
I f your browser does not support Java, you will need to download and install a Java-compatible browser.

If you think you have a Java-capable browser, go to our AboutJavapage  for more information. You will find information on using Java with Windows  and Macintosh  computers , and Netscape Navigator, Microsoft Internet Explorer, and the America Online browser.

Note: For best print results, use the landscape page setting in your print properties.

*This calculator is intended to serve as an educational tool, not investment advice. It enables you to enter hypothetical data. The variables you choose are not meant to reflect the performance of any security or current economic conditions. The examples are intended for illustrative purposes only and are not a prediction of investment results.

Calculations are based on the values entered into the calculator and do not take into account any limits imposed by IRS or plan rules. Also, the calculations assume a steady rate of contribution for the number of years invested that is entered.

Assumptions: Investments are made at the beginning of the period. Chart balances shown are end-of-year balances. And, the annual rate of return is compounded at the same frequency as the contribution. Calculations are based on the values entered into the calculator and do not take into account any limits imposed by IRS or plan rules. Also, the calculations assume a steady rate of contribution for the number of years invested that is entered.