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What does saving more today mean for your tomorrow?

Even small changes in the amount you save today can mean a lot more by the time you need your money in retirement. Use this calculator to see how saving more today can help make a big difference later.

Contribution rate calculator 

You might be surprised by what a small change to your retirement plan contributions today can mean for your savings in retirement. Use this calculator to help estimate how much more you may have in retirement by changing your contribution rate today.

 

How to use this calculator

Details: Input the number of years until you expect to retire, your current annual income, and the % you expect your salary to increase every year.

Plan information: Input the current balance of your 401(k), the % you expect your investment to earn over time, how often you get paid, and your employer's match formula (if your plan offers one).

Contributions: Input the % of your salary you're contributing to your 401(k) today and a higher amount you'd like to compare it to.

By clicking the CalcXML logo above, you will be redirected to a website that is not affiliated with John Hancock. John Hancock has not been involved in the preparation, nor guarantees the accuracy of the calculations and their results at the unaffiliated sites or the services offered through such site, and therefore takes no responsibility for that content or the services. By making this link available, John Hancock is not endorsing the site owner nor warranting its services.
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The content of this website is for general information only and is believed to be accurate and reliable as of the posting date, but may be subject to change. It is not intended to provide investment, tax, plan design or legal advice (unless otherwise indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made.

This is no guarantee that any investment strategy will achieve its objectives.

John Hancock Retirement Plan Services LLC provides administrative and/or recordkeeping services to sponsors or administrators of retirement plans through an open-architecture platform. John Hancock Trust Company LLC, a New Hampshire non-depository trust company, provides trust and custodial services to such plans, offers an Individual Retirement Accounts product, and maintains specific Collective Investment Trusts. Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in NY), and John Hancock Life Insurance Company of New York, Valhalla, NY. Product features and availability may differ by state. All entities do business under certain instances using the John Hancock brand name. Each entity makes available a platform of investment alternatives to sponsors or administrators of retirement plans without regard to the individualized needs of any plan. Unless otherwise specifically stated in writing, each entity does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity. Securities are offered through John Hancock Distributors LLC, member FINRA, SIPC.

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