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#A9431E;--mds-cta-primary-border-style:none;--mds-cta-primary-border-radius:4px;--mds-cta-primary-inverse-bg:#ffffff;--mds-cta-primary-inverse-color:#A9431E;--mds-cta-primary-inverse-hover-color:#8F2C00;--mds-cta-primary-inverse-hover-bg:#ffffff;--mds-cta-primary-inverse-active-color:#702B00;--mds-cta-primary-inverse-active-bg:#ffffff;--mds-cta-primary-inverse-border-radius:4px;--mds-cta-primary-active-color:#ffffff;--mds-cta-secondary-hover-bg:#ffffff;--mds-cta-secondary-color:#A9431E;--mds-cta-secondary-hover-color:#8F2C00;--mds-cta-secondary-hover-border:1px solid #8F2C00;--mds-cta-secondary-active-color:#702B00;--mds-cta-secondary-active-bg:#ffffff;--mds-cta-secondary-active-border:1px solid #702B00;--mds-cta-secondary-border-radius:4px;--mds-cta-secondary-border:1px solid #A9431E;--mds-cta-secondary-bg:transparent;--mds-cta-secondary-inverse-color:#ffffff;--mds-cta-secondary-inverse-hover-color:#8F2C00;--mds-cta-secondary-inverse-hover-bg:#ffffff;--mds-cta-secondary-inverse-active-bg:#ffffff;--mds-cta-secondary-inverse-active-color:#8F2C00;--mds-cta-secondary-inverse-border-radius:4px;--mds-cta-secondary-inverse-border:1px solid #ffffff;--mds-cta-tertiary-hover-bg:#eceff1;--mds-cta-tertiary-hover-color:#8F2C00;--mds-cta-tertiary-active-color:#A9431E;--mds-cta-tertiary-active-bg:#eceff1;--mds-cta-tertiary-color:#A9431E;--mds-cta-tertiary-border-radius:4px;--mds-cta-tertiary-bg:transparent;--mds-cta-tertiary-inverse-color:#ffffff;--mds-cta-tertiary-inverse-hover-color:#8F2C00;--mds-cta-tertiary-inverse-hover-bg:#f5f7f8;--mds-cta-tertiary-inverse-active-bg:#f5f7f8;--mds-cta-tertiary-inverse-active-color:#8F2C00;--mds-cta-success-bg:#398100;--mds-cta-success-color:#ffffff;--mds-cta-success-border-radius:5.33333px;--green-cta-ada-outline:0.0625rem dashed #262626;--green-cta-ada-outline-inverse:0.0625rem dashed #ffffff;--green-cta-disabled-bg:#EDEDED;--green-cta-disabled-color:#959595;--green-cta-primary-disabled-color:#959595;--green-cta-primary-secondary-padding-right:1rem;--green-cta-primary-secondary-padding-left:1rem;--green-cta-tertiary-padding-x:0.5rem;--green-cta-primary-secondary-min-width:10rem;--green-cta-tertiary-min-width:4.8125rem;--green-cta-min-height:2.25rem;--green-cta-primary-bg:#005B33;--green-cta-primary-hover-bg:#004B26;--green-cta-primary-active-bg:#006B42;--green-cta-primary-color:#ffffff;--green-cta-primary-hover-color:#ffffff;--green-cta-primary-border:0.0625rem solid #0060F0;--green-cta-primary-border-radius:4px;--green-cta-primary-inverse-bg:#ffffff;--green-cta-primary-inverse-color:#005B33;--green-cta-primary-inverse-hover-color:#004B26;--green-cta-primary-inverse-hover-bg:#ffffff;--green-cta-primary-inverse-active-color:#006B42;--green-cta-primary-inverse-active-bg:#ffffff;--green-cta-primary-inverse-border-radius:4px;--green-cta-primary-active-color:#ffffff;--green-cta-secondary-hover-bg:transparent;--green-cta-secondary-color:#005B33;--green-cta-secondary-hover-color:#004B26;--green-cta-secondary-hover-border:1px solid #004B26;--green-cta-secondary-active-color:#006B42;--green-cta-secondary-active-bg:transparent;--green-cta-secondary-active-border:1px solid #006B42;--green-cta-secondary-border-radius:4px;--green-cta-secondary-border:1px solid #005B33;--green-cta-secondary-bg:transparent;--green-cta-secondary-inverse-bg:transparent;--green-cta-secondary-inverse-color:#ffffff;--green-cta-secondary-inverse-hover-color:#ffffff;--green-cta-secondary-inverse-hover-bg:#004B2680;--green-cta-secondary-inverse-active-bg:#006B4280;--green-cta-secondary-inverse-active-color:#ffffff;--green-cta-secondary-inverse-border-radius:4px;--green-cta-secondary-inverse-border:1px solid #FFFFFF;--green-cta-tertiary-hover-bg:#006B4214;--green-cta-tertiary-hover-color:#004B26;--green-cta-tertiary-active-color:#006B42;--green-cta-tertiary-active-bg:#004B2614;--green-cta-tertiary-color:#005B33;--green-cta-tertiary-border-radius:4px;--green-cta-tertiary-bg:transparent;--green-cta-tertiary-inverse-bg:transparent;--green-cta-tertiary-inverse-color:#ffffff;--green-cta-tertiary-inverse-hover-color:#ffffff;--green-cta-tertiary-inverse-hover-bg:#004B2680;--green-cta-tertiary-inverse-active-bg:#006B4280;--green-cta-tertiary-inverse-active-color:#ffffff;--link-bg:transparent;--link-color:#A9431E;--link-border-radius:0;--link-text-decoration:underline;--link-outline-color:#A9431E;--link-outline-size:0.0625rem;--link-outline-style:dashed;--link-hover-color:#8F2C00;--link-brand-bar-color:#101820;--link-brand-bar-select-underline:rgb(205, 167, 136) --link-brand-bar-margin-x-y:0.75rem;--icon-color:#A9431E;--icon-hover-color:#31373d;--banner-icon-color:var(--neutral-background-text-color);}/*!sc*/ data-styled.g6[id="sc-616a4ab6-4"]{content:"ftTVST,"}/*!sc*/ :root{--root-font-size:16px;--body-bg:#ffffff;--body-color:#101820;--font-family:"Open Sans","Helvetica Neue",helvetica,arial,sans-serif;--primary:#ffffff;--primary-color:#c1c3c3;--primary-bg:#ffffff;--primary-transparent-bg:#ffffffE5;--primary-border:#c1c3c3;--primary-background-text-color:#101820;--primary-bg-promo-breaker-animation-border-color:#ffffff;--secondary:#bcbcbc;--secondary-color:#ffffff;--secondary-bg:#31373d;--secondary-transparent-bg:#31373dE5;--secondary-border:#ffffff;--secondary-background-text-color:#ffffff;--secondary-link-text-color:#ffffff;--secondary-link-text-hover-color:#ffffff;--secondary-link-text-outline-color:#ffffff;--light:#f5f7f8;--light-bg:#6e7275;--light-transparent-bg:#6e7275E5;--light-border:#ffffff;--light-background-text-color:#ffffff;--light-background-link-text-color:#A9431E;--light-background-link-text-hover-color:#A9431E;--light-background-link-text-outline-color:#A9431E;--neutral-bg:#f5f7f8;--neutral-transparent-bg:#f5f7f8E5;--neutral-border:#c1c3c3;--neutral-background-text-color:#101820;--neutral-bg-promo-breaker-animation-border-color:#ffffff;--dark-bg:#31373d;--dark-transparent-bg:#31373dE5;--grey-bg:#F1F1F0;--success:#398100;--accent:#A9431E;--white:#ffffff;--black:#101820;--text-gray:#474c50;--border-radius-large:2.5rem;--default-border-color:#101820;--cta-ada-outline:0.0625rem dashed #262626;--cta-ada-outline-inverse:0.0625rem dashed #ffffff;--cta-disabled-bg:#8C8E90;--cta-disabled-color:#959595;--cta-primary-disabled-color:#ffffff;--cta-primary-secondary-padding-right:1rem;--cta-primary-secondary-padding-left:1rem;--cta-primary-secondary-min-width:10rem;--cta-tertiary-min-width:4.8125rem;--cta-min-height:2.25rem;--cta-primary-bg:#A9431E;--cta-primary-hover-bg:#8F2C00;--cta-primary-active-bg:#702B00;--cta-primary-color:#ffffff;--cta-primary-border:0.0625rem solid #A9431E;--cta-primary-border-radius:4px;--cta-primary-inverse-bg:#ffffff;--cta-primary-inverse-color:#A9431E;--cta-primary-inverse-hover-color:#8F2C00;--cta-primary-inverse-hover-bg:#ffffff;--cta-primary-inverse-active-color:#702B00;--cta-primary-inverse-border-radius:4px;--cta-primary-active-color:#ffffff;--cta-primary-border-style:none;--cta-secondary-hover-active-bg:rgba(0, 94, 184, 0.08);--cta-secondary-color:#A9431E;--cta-secondary-hover-color:#8F2C00;--cta-secondary-active-color:#702B00;--cta-secondary-border-radius:4px;--cta-secondary-border:0.125rem solid #A9431E;--cta-secondary-bg:transparent;--cta-secondary-inverse-color:#ffffff;--cta-secondary-inverse-hover-bg:#8F2C00;--cta-secondary-inverse-active-bg:#702B00;--cta-secondary-inverse-border-radius:4px;--cta-secondary-inverse-border:4px solid #ffffff;--cta-tertiary-hover-active-bg:#565a5d;--cta-tertiary-hover-color:#8F2C00;--cta-tertiary-active-color:#702B00;--cta-tertiary-color:#A9431E;--cta-tertiary-border-radius:4px;--cta-tertiary-bg:transparent;--cta-tertiary-inverse-color:#ffffff;--cta-tertiary-inverse-hover-color:#ffffff;--cta-tertiary-inverse-active-color:#ffffff;--cta-primary-hover-color:#ffffff;--cta-success-bg:#398100;--cta-success-color:#ffffff;--cta-success-border-radius:5.33333px;--mds-cta-ada-outline:0.0625rem dashed #262626;--mds-cta-ada-outline-inverse:0.0625rem dashed #ffffff;--mds-cta-disabled-bg:#EDEDED;--mds-cta-disabled-color:#959595;--mds-cta-primary-disabled-color:#959595;--mds-cta-primary-secondary-padding-right:1rem;--mds-cta-primary-secondary-padding-left:1rem;--mds-cta-tertiary-padding-x:0.5rem;--mds-cta-primary-secondary-min-width:10rem;--mds-cta-tertiary-min-width:4.8125rem;--mds-cta-min-height:2.25rem;--mds-cta-primary-bg:#A9431E;--mds-cta-primary-hover-bg:#8F2C00;--mds-cta-primary-active-bg:#702B00;--mds-cta-primary-color:#ffffff;--mds-cta-primary-hover-color:#ffffff;--mds-cta-primary-border:0.0625rem solid #A9431E;--mds-cta-primary-border-style:none;--mds-cta-primary-border-radius:4px;--mds-cta-primary-inverse-bg:#ffffff;--mds-cta-primary-inverse-color:#A9431E;--mds-cta-primary-inverse-hover-color:#8F2C00;--mds-cta-primary-inverse-hover-bg:#ffffff;--mds-cta-primary-inverse-active-color:#702B00;--mds-cta-primary-inverse-active-bg:#ffffff;--mds-cta-primary-inverse-border-radius:4px;--mds-cta-primary-active-color:#ffffff;--mds-cta-secondary-hover-bg:#ffffff;--mds-cta-secondary-color:#A9431E;--mds-cta-secondary-hover-color:#8F2C00;--mds-cta-secondary-hover-border:1px solid #8F2C00;--mds-cta-secondary-active-color:#702B00;--mds-cta-secondary-active-bg:#ffffff;--mds-cta-secondary-active-border:1px solid #702B00;--mds-cta-secondary-border-radius:4px;--mds-cta-secondary-border:1px solid #A9431E;--mds-cta-secondary-bg:transparent;--mds-cta-secondary-inverse-color:#ffffff;--mds-cta-secondary-inverse-hover-color:#8F2C00;--mds-cta-secondary-inverse-hover-bg:#ffffff;--mds-cta-secondary-inverse-active-bg:#ffffff;--mds-cta-secondary-inverse-active-color:#8F2C00;--mds-cta-secondary-inverse-border-radius:4px;--mds-cta-secondary-inverse-border:1px solid #ffffff;--mds-cta-tertiary-hover-bg:#eceff1;--mds-cta-tertiary-hover-color:#8F2C00;--mds-cta-tertiary-active-color:#A9431E;--mds-cta-tertiary-active-bg:#eceff1;--mds-cta-tertiary-color:#A9431E;--mds-cta-tertiary-border-radius:4px;--mds-cta-tertiary-bg:transparent;--mds-cta-tertiary-inverse-color:#ffffff;--mds-cta-tertiary-inverse-hover-color:#8F2C00;--mds-cta-tertiary-inverse-hover-bg:#f5f7f8;--mds-cta-tertiary-inverse-active-bg:#f5f7f8;--mds-cta-tertiary-inverse-active-color:#8F2C00;--mds-cta-success-bg:#398100;--mds-cta-success-color:#ffffff;--mds-cta-success-border-radius:5.33333px;--green-cta-ada-outline:0.0625rem dashed #262626;--green-cta-ada-outline-inverse:0.0625rem dashed #ffffff;--green-cta-disabled-bg:#EDEDED;--green-cta-disabled-color:#959595;--green-cta-primary-disabled-color:#959595;--green-cta-primary-secondary-padding-right:1rem;--green-cta-primary-secondary-padding-left:1rem;--green-cta-tertiary-padding-x:0.5rem;--green-cta-primary-secondary-min-width:10rem;--green-cta-tertiary-min-width:4.8125rem;--green-cta-min-height:2.25rem;--green-cta-primary-bg:#005B33;--green-cta-primary-hover-bg:#004B26;--green-cta-primary-active-bg:#006B42;--green-cta-primary-color:#ffffff;--green-cta-primary-hover-color:#ffffff;--green-cta-primary-border:0.0625rem solid #0060F0;--green-cta-primary-border-radius:4px;--green-cta-primary-inverse-bg:#ffffff;--green-cta-primary-inverse-color:#005B33;--green-cta-primary-inverse-hover-color:#004B26;--green-cta-primary-inverse-hover-bg:#ffffff;--green-cta-primary-inverse-active-color:#006B42;--green-cta-primary-inverse-active-bg:#ffffff;--green-cta-primary-inverse-border-radius:4px;--green-cta-primary-active-color:#ffffff;--green-cta-secondary-hover-bg:transparent;--green-cta-secondary-color:#005B33;--green-cta-secondary-hover-color:#004B26;--green-cta-secondary-hover-border:1px solid #004B26;--green-cta-secondary-active-color:#006B42;--green-cta-secondary-active-bg:transparent;--green-cta-secondary-active-border:1px solid #006B42;--green-cta-secondary-border-radius:4px;--green-cta-secondary-border:1px solid #005B33;--green-cta-secondary-bg:transparent;--green-cta-secondary-inverse-bg:transparent;--green-cta-secondary-inverse-color:#ffffff;--green-cta-secondary-inverse-hover-color:#ffffff;--green-cta-secondary-inverse-hover-bg:#004B2680;--green-cta-secondary-inverse-active-bg:#006B4280;--green-cta-secondary-inverse-active-color:#ffffff;--green-cta-secondary-inverse-border-radius:4px;--green-cta-secondary-inverse-border:1px solid #FFFFFF;--green-cta-tertiary-hover-bg:#006B4214;--green-cta-tertiary-hover-color:#004B26;--green-cta-tertiary-active-color:#006B42;--green-cta-tertiary-active-bg:#004B2614;--green-cta-tertiary-color:#005B33;--green-cta-tertiary-border-radius:4px;--green-cta-tertiary-bg:transparent;--green-cta-tertiary-inverse-bg:transparent;--green-cta-tertiary-inverse-color:#ffffff;--green-cta-tertiary-inverse-hover-color:#ffffff;--green-cta-tertiary-inverse-hover-bg:#004B2680;--green-cta-tertiary-inverse-active-bg:#006B4280;--green-cta-tertiary-inverse-active-color:#ffffff;--link-bg:transparent;--link-color:#A9431E;--link-border-radius:0;--link-text-decoration:underline;--link-outline-color:#A9431E;--link-outline-size:0.0625rem;--link-outline-style:dashed;--link-hover-color:#8F2C00;--link-brand-bar-color:#101820;--link-brand-bar-select-underline:rgb(205, 167, 136) --link-brand-bar-margin-x-y:0.75rem;--icon-color:#A9431E;--icon-hover-color:#31373d;--input-primary-color:#101820;--input-primary-bg:#F1F1F0;--input-primary-inverse-color:#31373d;--input-primary-inverse-bg:#ffffff;--input-disabled-color:#6e7275;--input-disabled-bg:#8c8e90;--input-min-width:10rem;--input-border-color:2px solid #949494;--input-active-border-color:2px solid #565a5d;--input-active-outline-color:2px solid #565a5d;--input-error-color:#BF2155;--input-error-outline-color:#BF2155;--input-label-margin-bottom:8px;--input-text-color:#717171;--input-label-color:#717171;--structured-text-border-color:#101820;--structured-text-border-light-color:#101820;--header-bottom-border:0.0625rem solid #C6C4C4;--footer-icon-color:#565a5d;--footer-icon-hover-color:#31373d;--footer-disclosure-color:#565a5d;--footer-social-icon-color:#565a5d;--dropdown-border-color:#A9431E;--dropdown-box-shadow:0.125rem 0.375rem 0.25rem rgba(0, 0, 0, 0.2);--dropdown-border:0.3rem solid;--dropdown-bg:#ffffff;--dropdown-default-color:#101820;--dropdown-default-weight:600;--dropdown-default-style:normal;--dropdown-padding:0;--dropdown-padding-top:0;--dropdown-margin-bottom:3.5rem;--dropdown-min-width:13.3125rem;--dropdown-max-height:12rem;--dropdown-line-height:1.5rem;--dropdown-link-bg:transparent;--dropdown-menu-border:0.0625rem solid #C6C4C4;--dropdown-item-color:#101820;--dropdown-item-hover-color:#A9431E;--dropdown-item-font-size:0.8rem;--dropdown-item-padding:0.75rem 1.5rem;--dropdown-weight:600;--select-dropdown-arrow-color:#A9431E;--select-dropdown-bg-color:transparent;--select-dropdown-color:#A9431E;--select-dropdown-label-color:#101820;--select-dropdown-label-font-size:1.5rem;--select-dropdown-label-line-height:2rem;--select-dropdown-label-margin-bottom:1.5rem;--select-dropdown-option-bg-color:#f1f1f0;--select-dropdown-box-shadow:none;--select-dropdown-select-padding:0.375rem 1.75rem 0.375rem 0;--select-dropdown-box-border-bottom:0.063rem solid #565a5d;--select-dropdown-option-padding:0.5rem 1.5rem;--select-dropdown-box-border:none;--select-dropdown-box-border-left-radius:none;--select-dropdown-box-border-right-radius:none;--select-dropdown-option-hover-color:#101820;--select-dropdown-option-hover-bg:#f1f1f0;--select-dropdown-active-bg-color:#8F2C00;--select-dropdown-active-color:#ffffff;--select-dropdown-select-fontsize:1.125rem;--select-dropdown-option-fontsize:1rem;--login-panel-bg:#f5f7f8;--login-box-link:#A9431E;--l3nav-item-max-width:12.5rem;--l3nav-item-margin-right:3rem;--l3nav-item-padding-bottom:0.3125rem;--l3nav-hover-color:#A9431E;--l3-nav-dropdown-menu-bg-color:#F6F6F6;--l3-nav-sticky-border:1px solid #8c8e90;--navigation-side-menu-max-width:21.875rem;--navigation-login-panel-max-width:24.25rem;--overlay-bg:rgba(0, 0, 0, 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data-pt-name="hd_nav_inv_explore_all_products" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link sc-bf508aa2-4 feTsoM mds-d-block mds-text-nowrap" aria-current="false" aria-hidden="false"><span>Explore All Products</span></a></li><li role="none"><hr style="--color:var(--black);--width:3.125rem" class="sc-b8387b0e-0 kYIcVR mds-ml-5 mds-mb-2" aria-hidden="true"/><a href="/personal/investments/retirement/ira" role="menuitem" data-pt-name="hd_nav_inv_retirement_and_ira" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link sc-bf508aa2-4 feTsoM mds-d-block mds-text-nowrap" aria-current="false" aria-hidden="false"><span>Retirement &amp; IRAs</span></a></li><li role="none"><a href="/personal/investments/brokerage-account" role="menuitem" data-pt-name="hd_nav_inv_brokerage-accounts" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven 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It’s not a guarantee or representation of future performance. For additional limitations, please review footnote eight.<br>Employee Contributions: Employee contributions are calculated by multiplying the annual employee contributions by the number of years between your indicated current age and target retirement age.<br>Investment returns: The investment returns are calculated based on annual employee and employer contributions, compounded at the annual rate of return, over the number of years between the year in which the contributions are made and your target retirement age.<br>The potential future value of your 401(k)/403(b) is adjusted to account for deferred taxes, to show the potential future value of your account in after-tax dollars, at the year of retirement."}},"@type":"FAQPage","@context":"https://schema.org"}</script><div data-feature="service-hero" class="mds-container"><div class="mds-row"><div class="mds-col-12"><div class="sc-616a4ab6-1 sc-616a4ab6-2 kmmwrx loenXU"><div class="sc-616a4ab6-1 sc-616a4ab6-4 kmmwrx ftTVST sc-1b5ae54-1 iFdDrE mds-row mds-no-gutters"><div class="mds-col"><div class="sc-1b5ae54-0 jhzbje mds-col"><div class="mds-row mds-no-gutters"><div class="mds-offset-at-992-1 mds-col-12 mds-col-at-576-12 mds-col-at-768-10 mds-col-at-992-5 mds-col-at-1200-5 mds-col-at-1400-5"><div class="sc-72d22960-0 imeuwk"><h1><span class="mds-body-large-heavier"><span style="color: rgb(58,34,6);">RETIREMENT TOOLS</span><span class="cux-padding-24"></span></span> <span class="mds-headline-small">401(k)/403(b) calculator</span></h1> </div></div><div class="mds-d-flex mds-pl-at-992-4 mds-pl-at-1400-4 mds-col-12 mds-col-at-576-12 mds-col-at-768-12 mds-col-at-992-5 mds-col-at-1200-5 mds-col-at-1400-5"><div><div class="sc-72d22960-0 bEkzPa"><p><span class="mds-body-large"><span class="cux-padding-40"></span>Estimate your 401(k)/403(b)<span class="disclosure" data-disclosure-url="/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/401k-is-a-feature/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span> balance at retirement and how it will vary based on certain assumptions.<span class="cux-padding-24"></span></span></p> <p><span class="mds-body-large">Ready to invest in a J.P. Morgan IRA? <a class="chaseanalytics-track-link regular-link" data-pt-name="inv_401k-403b_calculator_get-started" href="#plan-retirement">Get started</a>.</span></p> </div><div class="mds-d-flex mds-fw-wrap mds-fd-column mds-fd-at-576-row mds-d-grid mds-ai-start mds-p-0 mds-my-4" data-feature="hero"></div></div></div></div></div></div></div></div></div></div></div><div data-feature="padding" class="mds-container"><div class="mds-row"><div class="mds-col-12"><div class="sc-616a4ab6-1 sc-616a4ab6-2 kmmwrx loenXU sc-616a4ab6-0 sc-123a63d5-0 KGRaP"></div></div></div></div><div class="mds-container"><div class="mds-row"><div class="mds-col-12"><iframe title="401(k)/403(b) calculator" src="https://static.chasecdn.com/web/library/uswmdreui/retirement-calculators-iframes/1.7.8/index.html#/dashboard/retirementCalculators/esaCalculator" id="esa-calculator" width="100%" class="sc-f7e11b93-0 dqVFea"></iframe></div></div></div><div class="sc-6baa0262-0 iDNyIR w-100 h-100" id="faqs" tabindex="-1"><div class="sc-616a4ab6-1 sc-616a4ab6-2 kmmwrx loenXU"><div data-feature="basic-text" class="mds-container"><div class="mds-row"><div class="mds-col-12"><div class="sc-616a4ab6-1 sc-616a4ab6-2 kmmwrx loenXU sc-616a4ab6-0"><div class="sc-a13a1b2c-1 kKcKZ mds-jc-center mds-no-gutters mds-row"><div class="mds-text-break mds-col mds-col-at-768-10 mds-px-4 mds-px-at-768-0"><div class="sc-a13a1b2c-0"><div class="sc-72d22960-0 bEkzPa"><h2 style="text-align: center;"><span class="mds-title-xlarge"><span><span style="color: rgb(16,24,32);">Frequently asked questions</span></span></span></h2> </div></div></div></div></div></div></div></div></div></div><div data-feature="padding" class="mds-container"><div class="mds-row"><div class="mds-col-12"><div class="sc-616a4ab6-1 sc-616a4ab6-2 kmmwrx loenXU sc-616a4ab6-0 sc-123a63d5-0 KGRaP"></div></div></div></div><div class="mds-container"><div class="mds-jc-center mds-row"><div class="mds-px-4 mds-px-at-768-0 mds-col mds-col-at-768-10"></div></div></div><div data-feature="accordion-drawer" class="mds-container"><div class="mds-jc-center mds-row"><div class="mds-px-4 mds-px-at-768-0 mds-col mds-col-at-768-10"><div class="mds-jc-center mds-row mds-no-gutters"><section class="w-100"><div class="mds-col-12"><hr class="sc-4d2dd63b-2 dYPGex mds-m-0" aria-hidden="true"/><div class="sc-616a4ab6-1 sc-616a4ab6-2 kmmwrx loenXU"><h3 class="mds-pb-0"><button aria-expanded="false" id="section_undefined_401k-403b-calculator-how-it-is-calculated" aria-controls="accordion_undefined_401k-403b-calculator-how-it-is-calculated" role="button" data-pt-name="acc_close_401k-403b-calculator-how-it-is-calculated" class="btn-no-styles btn-not-inverse btn-content-driven chaseanalytics-track-element sc-4d2dd63b-4 epCmsi mds-text-left h-100 w-100 mds-d-flex mds-fd-column"><span class="sc-3e78796-0 jfgKcB btn-no-styles-text btn-not-inverse"><div class="mds-d-flex mds-ac-flex-start mds-text-break mds-p-5"><div class="sc-72d22960-0 ftvATe mds-pr-7"><p><span class="mds-subtitle-medium-heavier">How is my number calculated?</span></p> </div><span class="sc-4d2dd63b-3 kjoYdV mds-pos-absolute mds-va-middle mds-right-0 mds-pr-5"><i class="sc-b5964c44-0 dwNfbk mds-chase-icons mds-pe-none ico_chevron_down" style="padding:0.3125rem 0.9375rem 0.3125rem 0.3125rem;--icon-hover-color:var(--accordion-drawer-text-hover-color);--icon-color:var(--accordion-drawer-text-color)" aria-hidden="true"></i></span></div></span></button></h3></div><section id="undefined_401k-403b-calculator-how-it-is-calculated" class="w-100"><div role="region" aria-labelledby="section_undefined_401k-403b-calculator-how-it-is-calculated" id="accordion_undefined_401k-403b-calculator-how-it-is-calculated" class="sc-4d2dd63b-0 vmWAq mds-d-none"><div data-feature="basic-text" class="mds-container"><div class="mds-row"><div class="mds-col-12"><div class="sc-616a4ab6-1 sc-616a4ab6-2 kmmwrx loenXU sc-616a4ab6-0"><div class="sc-a13a1b2c-1 kKcKZ mds-jc-center mds-no-gutters mds-row"><div class="mds-text-break mds-col mds-col-at-768-10 mds-px-4 mds-px-at-768-0"><div class="sc-a13a1b2c-0"><div class="sc-72d22960-0 bEkzPa"><p><span class="mds-body-large">Please note: this isn’t a projection of performance, but a calculation based on the inputs above and the assumptions outlined below. It’s not a guarantee or representation of future performance. For additional limitations, please review the footnote.<span class="disclosure" data-disclosure-url="/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/in-addition-to-the-other-limitations/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span> <span class="cux-padding-24"></span>Employee Contributions: Employee contributions<span class="disclosure" data-disclosure-url="/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/this-calculator-assumes/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span> are calculated by multiplying the annual employee contributions<span class="disclosure" data-disclosure-url="/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/for-the-purpose-of-this-calculator/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span> by the number of years between your indicated current age and target retirement age.<span class="disclosure" data-disclosure-url="/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/this-calculation-does-not-include/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span><span class="cux-padding-24"></span>Investment returns: The investment returns are calculated based on annual employee and employer contributions<span class="disclosure" data-disclosure-url="/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/this-calculator-assumes/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span>, compounded at the annual rate of return<span class="disclosure" data-disclosure-url="/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/keep-in-mind-select-annual-rate/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span>, over the number of years between the year in which the contributions are made and your target retirement age.&nbsp;<span class="cux-padding-24"></span>The potential future value of your 401(k)/403(b) is adjusted to account for deferred taxes<span class="disclosure" data-disclosure-url="/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/keep-in-mind-this-calculator-uses/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span>, to show the potential future value of your account in after-tax dollars, at the year of retirement.<span class="disclosure" data-disclosure-url="/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/the-potential-future-value-of-401k/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span><span class="disclosure" data-disclosure-url="/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/in-addition-to-the-other-limitations/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span></span></p> </div></div></div></div></div></div></div></div></div></section><hr class="sc-4d2dd63b-2 dYPGex mds-m-0" aria-hidden="true"/></div></section></div></div></div></div><div data-feature="padding" class="mds-container"><div class="mds-row"><div class="mds-col-12"><div class="sc-616a4ab6-1 sc-616a4ab6-2 kmmwrx loenXU sc-616a4ab6-0 sc-123a63d5-0 KGRaP"></div></div></div></div><div class="sc-6baa0262-0 iDNyIR w-100 h-100" id="plan-retirement" tabindex="-1"><div data-feature="featured-block" class="mds-container"><div class="mds-row"><div class="mds-col-12"><div class="sc-616a4ab6-1 sc-616a4ab6-2 kmmwrx loenXU sc-616a4ab6-0"><div class="mds-jc-center mds-px-4 mds-px-at-768-0 mds-row mds-no-gutters"><div class="mds-col-12 mds-col-at-768-10"><div class="sc-574917b2-1 cwofRX mds-fw-wrap mds-fw-at-992-nowrap"><div class="sc-574917b2-2 jSbEwi mds-col-at-576-12"><div class="sc-574917b2-4 dtFYM"><div class="sc-72d22960-0 ftvATe"><h2 style="text-align: center;"><span class="mds-title-xlarge">Other ways to plan for retirement<span class="cux-padding-24"></span></span></h2> </div></div></div><div class="sc-574917b2-2 jSbEwi"><div class="mds-fw-at-768-nowrap mds-py-4 mds-row mds-no-gutters"><div class="sc-574917b2-0 iicDos mds-d-flex mds-fd-column mds-px-0 mds-mr-at-768-5 mds-pl-5 mds-col-12 mds-col-at-768-4"><div class="mds-row mds-no-gutters"><div class="mds-d-flex mds-fd-column mds-col"><div class="sc-1ec1286a-0 sc-574917b2-3 gjqnv jxJnRD"><div class="mds-row mds-no-gutters"><div class="sc-72d22960-0 ftvATe mds-text-break w-100"><h3><span class="mds-title-medium-heavier">Traditional IRA<span class="cux-padding-24"></span></span></h3> </div></div></div><div class="sc-1ec1286a-0 gjqnA"><div class="sc-72d22960-0 bEkzPa"><p><span class="mds-body-large">Your contributions may be tax-deductible<span class="disclosure" data-disclosure-url="/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/deductibility-limits/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span>. Your earnings, if any, are tax-deferred and will be included in your taxable income at the time of withdrawal.<span class="cux-padding-24"></span></span></p> </div></div></div></div><div class="h-100 mds-row mds-no-gutters"><div class="mds-d-flex mds-fd-column mds-jc-flex-end mds-col"><div class=""><ul class="sc-7f075714-0 fbRFDU mds-pl-0 mds-m-0"><li><a href="/personal/investments/retirement/traditional#work-together" data-pt-name="inv_ret_cal_trad_ira_open_account_btn" rel="noopener" class="btn-mds-primary-button btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link mds-mb-4" aria-hidden="false"><span class="sc-3e78796-0 jfgKcB btn-mds-primary-button-text btn-not-inverse">Open an account</span><span class="sc-5ed86311-0 gbpywr accessible-text">, for traditional IRA</span></a></li><li><a href="/personal/investments/retirement/traditional" data-pt-name="inv_ret_cal_trad_ira_learn_lnk" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link" aria-hidden="false">Learn about Traditional IRA<span class="mds-va-middle mds-d-inline-flex mds-px-2 link-icon"><i class="sc-b5964c44-0 bHWtvH mds-chase-icons mds-pe-none ico_chevron_right" aria-hidden="true"></i></span></a></li></ul></div></div></div></div><div class="sc-574917b2-0 iicDos mds-d-flex mds-fd-column mds-px-0 mds-mr-at-768-5 mds-pl-5 mds-col-12 mds-col-at-768-4"><div class="mds-row mds-no-gutters"><div class="mds-d-flex mds-fd-column mds-col"><div class="sc-1ec1286a-0 sc-574917b2-3 gjqnv jxJnRD"><div class="mds-row mds-no-gutters"><div class="sc-72d22960-0 ftvATe mds-text-break w-100"><h3><span class="mds-title-medium-heavier">Roth IRA<span class="cux-padding-24"></span></span></h3> </div></div></div><div class="sc-1ec1286a-0 gjqnA"><div class="sc-72d22960-0 bEkzPa"><p><span class="mds-body-large">Your contributions are not tax-deductible<span class="disclosure" data-disclosure-url="/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/cannot-deduct-contributions/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span>. Your earnings, if any, are tax-deferred and may be withdrawn tax-free if certain conditions are met.<span class="cux-padding-24"></span></span></p> </div></div></div></div><div class="h-100 mds-row mds-no-gutters"><div class="mds-d-flex mds-fd-column mds-jc-flex-end mds-col"><div class=""><ul class="sc-7f075714-0 fbRFDU mds-pl-0 mds-m-0"><li><a href="/personal/investments/retirement/roth#work-together" data-pt-name="inv_ret_cal_roth_ira_open_account_btn" rel="noopener" class="btn-mds-primary-button btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link mds-mb-4" aria-hidden="false"><span class="sc-3e78796-0 jfgKcB btn-mds-primary-button-text btn-not-inverse">Open an account</span><span class="sc-5ed86311-0 gbpywr accessible-text">, for roth IRA</span></a></li><li><a href="/personal/investments/retirement/roth" data-pt-name="inv_ret_cal_roth_ira_learn_lnk" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link" aria-hidden="false">Learn about Roth IRA<span class="mds-va-middle mds-d-inline-flex mds-px-2 link-icon"><i class="sc-b5964c44-0 bHWtvH mds-chase-icons mds-pe-none ico_chevron_right" aria-hidden="true"></i></span></a></li></ul></div></div></div></div><div class="sc-574917b2-0 iicDos mds-d-flex mds-fd-column mds-px-0 mds-mr-at-768-5 mds-pl-5 mds-col-12 mds-col-at-768-4"><div class="mds-row mds-no-gutters"><div class="mds-d-flex mds-fd-column mds-col"><div class="sc-1ec1286a-0 sc-574917b2-3 gjqnv jxJnRD"><div class="mds-row mds-no-gutters"><div class="sc-72d22960-0 ftvATe mds-text-break w-100"><h3><span class="mds-title-medium-heavier">Roll over to an IRA<span class="cux-padding-24"></span></span></h3> </div></div></div><div class="sc-1ec1286a-0 gjqnA"><div class="sc-72d22960-0 bEkzPa"><p><span class="mds-body-large">Explore rolling over your 401(k) from a former employer to a J.P. Morgan IRA. <span class="cux-padding-24"></span></span></p> </div></div></div></div><div class="h-100 mds-row mds-no-gutters"><div class="mds-d-flex mds-fd-column mds-jc-flex-end mds-col"><div class=""><ul class="sc-7f075714-0 fbRFDU mds-pl-0 mds-m-0"><li><a href="/personal/investments/funding-roll-over-retirement-account" data-pt-name="inv_ret_cal_roth_ira_get_started_btn" rel="noopener" class="btn-mds-primary-button btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link mds-mb-4" aria-hidden="false"><span class="sc-3e78796-0 jfgKcB btn-mds-primary-button-text btn-not-inverse">Get Started</span></a></li><li><a href="/personal/investments/retirement-rollover" data-pt-name="inv_ret_cal_rollover_ira_learn_lnk" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link" aria-hidden="false">Learn about rollovers<span class="mds-va-middle mds-d-inline-flex mds-px-2 link-icon"><i class="sc-b5964c44-0 bHWtvH mds-chase-icons mds-pe-none ico_chevron_right" aria-hidden="true"></i></span></a></li></ul></div></div></div></div></div></div></div></div></div></div></div></div></div></div><div data-feature="padding" class="mds-container"><div class="mds-row"><div class="mds-col-12"><div class="sc-616a4ab6-1 sc-616a4ab6-2 kmmwrx loenXU sc-616a4ab6-0 sc-123a63d5-0 KGRaP"></div></div></div></div><div class="mds-container" data-feature="flip-card"><div class="mds-row"><div class="mds-col-12"><div class="sc-616a4ab6-1 sc-616a4ab6-4 kmmwrx ftTVST sc-56dd5b3d-3 ibyvmP"><div class="mds-mt-0 mds-mb-0 mds-ml-auto mds-mr-auto w-100 mds-jc-center mds-fd-row mds-row"><div class="mds-mt-7 mds-pt-6 mds-col-at-1400-4 mds-col-at-992-12 mds-mb-5 mds-pb-4 mds-ai-start mds-fw-at-768-nowrap mds-pl-6 mds-pl-at-768-3 mds-ml-3 mds-ml-at-768-0"><div class="sc-56dd5b3d-2 iFovuf mds-no-gutters mds-jc-center mds-px-3 mds-px-at-768-0 mds-pr-at-1400-7 mds-mr-at-1400-5 mds-text-at-768-center mds-text-at-1400-left"><div class="sc-72d22960-0 ftvATe"><h2><span class="mds-title-xlarge">Discover how you can prepare for retirement</span></h2> </div></div></div><div class="mds-d-flex mds-fw-wrap"><div class="mds-d-flex mds-jc-center mds-col-12"><div class="sc-56dd5b3d-0 fduHhQ mds-d-flex mds-fw-wrap mds-jc-center mds-pos-relative mds-mt-at-1400-7 mds-pt-at-1400-6"><div class="sc-56dd5b3d-1 kPEYzn mds-mr-at-992-5 mds-mb-5 mds-mb-at-992-0 mds-mb-at-1400-0 mds-pb-4 mds-pb-at-992-0"><div aria-labelledby="header-af92d7eb-2e23-f9" role="region" class="sc-27d768fd-0 cdIFqZ mds-d-flex mds-fd-column h-100"><div class="sc-27d768fd-1 xMuXi"><div class="sc-616a4ab6-1 sc-616a4ab6-2 kmmwrx loenXU sc-27d768fd-3 boklEO h-100"><div class="sc-27d768fd-2 ddIckP mds-text-center h-100 mds-row mds-no-gutters"><span aria-live="polite" tabindex="-1" class="sc-5ed86311-0 gbpywr accessible-text"></span><div class="mds-d-flex mds-fd-column"><div id="header-af92d7eb-2e23-f9" class="sc-27d768fd-5 sc-27d768fd-8 fKHcpf iDwhpj"><div class="sc-72d22960-0 ftvATe"><h3 style="text-align: left;"><span class="mds-title-medium-heavier">Retirement calculators</span></h3> </div></div><div class="sc-1ec1286a-0 dVVqCg"><img src="/content/dam/structured-images/chase-ux/flip-card/personal/investments/idle-cash.jpg" alt="" loading="eager" class="sc-d1f3aa2b-0 hieMvE sc-27d768fd-14 jehPam w-100 mds-d-block mds-mx-auto"/></div><div class="sc-27d768fd-5 fKHcpf mds-mb-5"><div class="sc-72d22960-0 ftvATe"><p style="text-align: left;"><span class="mds-body-large">Knowing where you are today is an important step toward planning for your future. Run your numbers with our calculators to see how your current plan is working toward your goals.</span></p> </div></div></div><div class="sc-27d768fd-7 bQAmpf mds-pb-6_7 mds-d-flex mds-fd-column"><div class="mds-jc-center mds-px-at-0-4 mds-row"><a href="/personal/investments/investment-tools-resources" data-pt-name="inv_use_retirement_calculators_lnk" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link sc-27d768fd-13 dvubex" aria-hidden="false">Use our retirement calculators<span class="mds-va-middle mds-d-inline-flex mds-px-2 link-icon"><i class="sc-b5964c44-0 bHWtvH mds-chase-icons mds-pe-none ico_chevron_right" aria-hidden="true"></i></span></a></div></div></div></div><div class="sc-616a4ab6-1 sc-616a4ab6-2 kmmwrx loenXU sc-27d768fd-3 OiEiJ h-100 mds-d-none"><div class="sc-27d768fd-2 sc-27d768fd-4 ddIckP jpyZaU mds-text-center h-100 mds-d-none mds-row mds-no-gutters"><span aria-live="polite" tabindex="-1" class="sc-5ed86311-0 gbpywr accessible-text"></span><div class="sc-27d768fd-5 sc-27d768fd-6 fKHcpf jfLlq mds-d-flex"><div class="sc-27d768fd-9 iYNkVv"><div class="sc-27d768fd-10 ksfqTW"><div class="sc-72d22960-0 ftvATe mds-mb-4"><h3 style="text-align: left;"><span class="mds-title-medium-heavier">Retirement calculators</span></h3> </div></div><div class="sc-27d768fd-11 ccFhWd"><div class="sc-72d22960-0 ftvATe"><p style="text-align: left;"><span class="mds-body-large">Knowing where you are today is an important step toward planning for your future. Run your numbers with our calculators to see how your current plan is working toward your goals.</span></p> </div></div></div><div class="sc-27d768fd-7 bQAmpf mds-pb-6_7 mds-px-0 mds-d-flex mds-fd-column"><div class="mds-jc-center mds-px-at-0-4 mds-row"><a href="/personal/investments/investment-tools-resources" data-pt-name="inv_use_retirement_calculators_lnk" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link sc-27d768fd-13 dvubex" aria-hidden="false">Use our retirement calculators<span class="mds-va-middle mds-d-inline-flex mds-px-2 link-icon"><i class="sc-b5964c44-0 bHWtvH mds-chase-icons mds-pe-none ico_chevron_right" aria-hidden="true"></i></span></a></div></div></div><button class="btn-no-styles btn-not-inverse btn-content-driven sc-27d768fd-12 iEdhmG mds-d-flex mds-jc-center mds-ai-center"><span class="sc-3e78796-0 jfgKcB btn-no-styles-text btn-not-inverse"><p class="mds-ml-3"></p></span></button></div></div></div></div></div><div class="sc-56dd5b3d-1 kPEYzn mds-mb-0 mds-pb-0 mds-jc-center"><div aria-labelledby="header-ad10335c-c222-1d" role="region" class="sc-27d768fd-0 cdIFqZ mds-d-flex mds-fd-column h-100"><div class="sc-27d768fd-1 xMuXi"><div class="sc-616a4ab6-1 sc-616a4ab6-2 kmmwrx loenXU sc-27d768fd-3 boklEO h-100"><div class="sc-27d768fd-2 ddIckP mds-text-center h-100 mds-row mds-no-gutters"><span aria-live="polite" tabindex="-1" class="sc-5ed86311-0 gbpywr accessible-text"></span><div class="mds-d-flex mds-fd-column"><div id="header-ad10335c-c222-1d" class="sc-27d768fd-5 sc-27d768fd-8 fKHcpf iDwhpj"><div class="sc-72d22960-0 ftvATe"><h3 style="text-align: left;"><span class="mds-title-medium-heavier">Plan for retirement </span></h3> </div></div><div class="sc-1ec1286a-0 dVVqCg"><img src="/content/dam/structured-images/chase-ux/flip-card/personal/investments/retirement-planning.jpg" alt="" loading="eager" class="sc-d1f3aa2b-0 hieMvE sc-27d768fd-14 jehPam w-100 mds-d-block mds-mx-auto"/></div><div class="sc-27d768fd-5 fKHcpf mds-mb-5"><div class="sc-72d22960-0 ftvATe"><p style="text-align: left;"><span class="mds-body-large">Whatever you’re looking forward to—more time with family, traveling or pursuing your passions—we can can help you prepare for what comes next.</span></p> </div></div></div><div class="sc-27d768fd-7 bQAmpf mds-pb-6_7 mds-d-flex mds-fd-column"><div class="mds-jc-center mds-px-at-0-4 mds-row"><a href="/personal/investments/retirement" data-pt-name="inv_retirement_planning_learn_more_lnk" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link sc-27d768fd-13 dvubex" aria-hidden="false">Learn about retirement planning<span class="mds-va-middle mds-d-inline-flex mds-px-2 link-icon"><i class="sc-b5964c44-0 bHWtvH mds-chase-icons mds-pe-none ico_chevron_right" aria-hidden="true"></i></span></a></div></div></div></div><div class="sc-616a4ab6-1 sc-616a4ab6-2 kmmwrx loenXU sc-27d768fd-3 OiEiJ h-100 mds-d-none"><div class="sc-27d768fd-2 sc-27d768fd-4 ddIckP jpyZaU mds-text-center h-100 mds-d-none mds-row mds-no-gutters"><span aria-live="polite" tabindex="-1" class="sc-5ed86311-0 gbpywr accessible-text"></span><div class="sc-27d768fd-5 sc-27d768fd-6 fKHcpf jfLlq mds-d-flex"><div class="sc-27d768fd-9 iYNkVv"><div class="sc-27d768fd-10 ksfqTW"><div class="sc-72d22960-0 ftvATe mds-mb-4"><h3 style="text-align: left;"><span class="mds-title-medium-heavier">Plan for retirement </span></h3> </div></div><div class="sc-27d768fd-11 ccFhWd"><div class="sc-72d22960-0 ftvATe"><p style="text-align: left;"><span class="mds-body-large">Whatever you’re looking forward to—more time with family, traveling or pursuing your passions—we can can help you prepare for what comes next.</span></p> </div></div></div><div class="sc-27d768fd-7 bQAmpf mds-pb-6_7 mds-px-0 mds-d-flex mds-fd-column"><div class="mds-jc-center mds-px-at-0-4 mds-row"><a href="/personal/investments/retirement" data-pt-name="inv_retirement_planning_learn_more_lnk" rel="noopener" class="link btn-link btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link sc-27d768fd-13 dvubex" aria-hidden="false">Learn about retirement planning<span class="mds-va-middle mds-d-inline-flex mds-px-2 link-icon"><i class="sc-b5964c44-0 bHWtvH mds-chase-icons mds-pe-none ico_chevron_right" aria-hidden="true"></i></span></a></div></div></div><button class="btn-no-styles btn-not-inverse btn-content-driven sc-27d768fd-12 iEdhmG mds-d-flex mds-jc-center mds-ai-center"><span class="sc-3e78796-0 jfgKcB btn-no-styles-text btn-not-inverse"><p class="mds-ml-3"></p></span></button></div></div></div></div></div></div></div></div></div></div></div></div></div><div data-feature="padding" class="mds-container"><div class="mds-row"><div class="mds-col-12"><div class="sc-616a4ab6-1 sc-616a4ab6-2 kmmwrx loenXU sc-616a4ab6-0 sc-123a63d5-0 KGRaP"></div></div></div></div><div class="sc-616a4ab6-1 sc-616a4ab6-2 kmmwrx loenXU"><div class="mds-container"><div class="mds-row"><div class="mds-col-12"><div class="sc-616a4ab6-1 sc-616a4ab6-2 kmmwrx loenXU"><div class="mds-fd-row-reverse mds-px-3 mds-px-at-768-0 mds-d-flex mds-fw-wrap"><div class=" mds-col-12 mds-col-at-768-6 mds-col-at-1200-7 mds-d-flex mds-fd-column mds-jc-center mds-px-0 mds-pt-5 mds-pt-at-768-0"><div class="mds-row mds-no-gutters"><div class="sc-72d22960-0 imeuwk sc-dc373d12-0 jMsVcd mds-pb-4"><h2><span class="mds-title-large"><span style="color: rgb(16,24,32);">Sharpen your knowledge with the latest news and market commentary on retirement</span></span></h2> </div></div><hr aria-hidden="true" class="sc-dc373d12-1 glYmqY mds-d-none mds-d-at-768-block"/><div class="mds-row mds-no-gutters"><div class="sc-72d22960-0 bEkzPa sc-dc373d12-0 jMsVcd mds-pt-2 mds-pt-at-768-4"><p><span class="mds-body-large">Tap into the latest news and subscribe for market commentary and analysis from J.P. Morgan specialists to help you plan your investment strategy for retirement.</span></p> </div></div><div class="sc-dc373d12-2 lnOYxn mds-as-left mds-fd-row mds-pt-5 mds-pt-at-768-6 mds-no-gutters mds-row"><a href="/personal/investments/insights/subscribe" data-pt-name="inv_lnk_subscribe_for_commentary" rel="noopener" class="btn-primary-button btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link mds-d-flex mds-ai-center mds-mb-4 mds-mr-5" aria-hidden="false"><span class="sc-3e78796-0 jfgKcB btn-primary-button-text btn-not-inverse">Subscribe</span></a><a href="/personal/investments/learning-and-insights" data-pt-name="inv_lnk_read_latest" rel="noopener" class="btn-mds-secondary-button btn-not-inverse btn-content-driven chaseanalytics-track-link xpins-click link mds-d-flex mds-ai-center mds-mb-4" aria-hidden="false"><span class="sc-3e78796-0 jfgKcB btn-mds-secondary-button-text btn-not-inverse">Read the latest</span><span class="sc-5ed86311-0 gbpywr accessible-text">, news and market commentary</span></a></div></div><div class="sc-dc373d12-3 bUtrwK mds-d-flex mds-col-12 mds-col-at-768-6 mds-col-at-1200-5 mds-px-0"><img src="/content/dam/chase-ux/media-block-v2/personal/investments/retirement/market-commentary.jpg" alt="" loading="eager" class="sc-d1f3aa2b-0 hieMvE mds-d-flex mds-as-flex-start"/></div></div></div></div></div></div></div></main><footer role="contentinfo"><div class="sc-616a4ab6-1 sc-616a4ab6-2 kmmwrx loenXU mds-pt-6 mds-pt-at-992-7 mds-pb-7"><div class="mds-container"><div class="mds-row"><div class="mds-col-12"><div id="disclosures" tabindex="-1" class="sc-616a4ab6-1 sc-616a4ab6-2 sc-d1bc903d-0 kmmwrx loenXU fAeZU mds-body-small mds-my-6_7 mds-mx-3 mds-mx-at-768-0" data-feature="disclosures"><div class="mds-row"><div class="mds-mb-3 mds-col"><span class="mds-d-flex"><p><span class="accessible-text">Footnote</span><sup class="mds-pr-2">1</sup></p><div class="sc-72d22960-0 ftvATe"><p>A 401(k) is a feature of a qualified profit sharing plan that allows employees to contribute a portion of their wages to individual accounts.</p> <ul> <li>Traditional 401(k) salary deferrals are generally excluded from the employee’s taxable income (designated Roth deferrals are not).&nbsp;</li> <li>Employers can contribute to employees’ accounts.&nbsp;</li> <li>Distributions, including earnings, are generally includible in taxable income (except for “qualified distributions” (as defined by the Internal Revenue Code) from designated Roth accounts).</li> </ul> <p>A 403(b) plan (also called a tax-sheltered annuity or TSA plan) is a similar retirement plan offered by public schools and certain 501(c)(3) tax-exempt organizations. Employees save for retirement by contributing to individual accounts. Employers can also contribute to employees' accounts, and distributions are similarly generally includible in taxable income.</p> </div></span></div></div><div class="mds-row"><div class="mds-mb-3 mds-col"><span class="mds-d-flex"><p><span class="accessible-text">Footnote</span><sup class="mds-pr-2">2</sup></p><div class="sc-72d22960-0 ftvATe"><p>In addition to the other limitations noted above, this calculator does not account for whether any given individual is eligible to contribute to or receive employer contributions under a 401(k) and/or 403(b), the application of the 10% early withdrawal tax (which generally applies to distributions taken prior to age 59½ unless an exception applies) or Required Minimum Distributions (as defined by the Internal Revenue Code), and should be used for educational purposes only. To learn more, go to the IRS 401(k) and 403(b) plan pages, or consult with a tax or legal professional.</p> </div></span></div></div><div class="mds-row"><div class="mds-mb-3 mds-col"><span class="mds-d-flex"><p><span class="accessible-text">Footnote</span><sup class="mds-pr-2">3</sup></p><div class="sc-72d22960-0 ftvATe"><p>This calculator assumes that the annual employee and employer contributions specified will be the same amount contributed every year between your current age and target retirement age.</p> <p>&nbsp;</p> <p>The IRS imposes limits on how much you can contribute annually to a 401(k) or 403(b). In particular, the IRS limits the amount of employee contributions that you can make. This limit is subject to yearly cost-of-living adjustments; for the purposes of this calculator, we limit employee contributions for future years to a single year’s basic annual contribution limit. We are currently using the basic annual contribution limit for 2024 ($23,000).</p> <p>&nbsp;</p> <p>The IRS also limits the total annual amount of employee and employer contributions that can be made on your behalf. This limit is subject to yearly cost-of-living adjustments; for the purposes of this calculator, we limit employee and employer contributions for future years to a single year’s annual contribution limit. We are currently using the annual contribution limit on total employee and employer contributions for 2024 ($69,000).</p> <p>&nbsp;</p> <p>We do not take into account IRS limitations other than these basic annual limits on employee and employer contributions.</p> <p>&nbsp;</p> <p>This calculator does not account for “catch-up” contributions:<br> If permitted by the 401(k) plan, participants age 50 or over at the end of the calendar year can also make catch-up contributions.</p> <p>&nbsp;</p> <p>If the 403(b) plan allows, an employee may be able to make the same type of catch-up contributions as may be allowed by a 401(k) plan, and an employee who has worked for a qualified organization for 15 or more years may, if he or she meets certain requirements, be able to make additional contributions of up to $3,000 for up to 5 years. For more information go to IRS 403(b) website and see 15-year rule in Publication 571, Tax-Sheltered Annuity Plans (403(b) Plans) under Contributions.</p> </div></span></div></div><div class="mds-row"><div class="mds-mb-3 mds-col"><span class="mds-d-flex"><p><span class="accessible-text">Footnote</span><sup class="mds-pr-2">4</sup></p><div class="sc-72d22960-0 ftvATe"><p>For the purposes of this calculator, we are assuming you have not previously contributed to your 401(k)/403(b) account (and therefore your starting account balance is $0), and that all contributions (both employee and employer) are made on a pre-tax basis (i.e., they are not designated Roth or other after-tax contributions).&nbsp;</p> </div></span></div></div><div class="mds-row"><div class="mds-mb-3 mds-col"><span class="mds-d-flex"><p><span class="accessible-text">Footnote</span><sup class="mds-pr-2">5</sup></p><div class="sc-72d22960-0 ftvATe"><p>This calculation does not include the calendar year of your target retirement age. The total number of years is calculated by subtracting the indicated current age from the target retirement age.&nbsp;</p> </div></span></div></div><div class="mds-row"><div class="mds-mb-3 mds-col"><span class="mds-d-flex"><p><span class="accessible-text">Footnote</span><sup class="mds-pr-2">6</sup></p><div class="sc-72d22960-0 ftvATe"><p>Keep in mind: you can select an annual rate of return, or the default rate of return will be 4%. This default rate is not a guarantee of any kind of return.</p> </div></span></div></div><div class="mds-row"><div class="mds-mb-3 mds-col"><span class="mds-d-flex"><p><span class="accessible-text">Footnote</span><sup class="mds-pr-2">7</sup></p><div class="sc-72d22960-0 ftvATe"><p>Keep in mind: this calculator uses an assumed retirement tax rate is 12%. Your actual rate may be different.</p> </div></span></div></div><div class="mds-row"><div class="mds-mb-3 mds-col"><span class="mds-d-flex"><p><span class="accessible-text">Footnote</span><sup class="mds-pr-2">8</sup></p><div class="sc-72d22960-0 ftvATe"><p>The potential future value of your 401(k)/403(b) is adjusted to account for the deferred taxes on contributions (employee and employer contributions) and investment returns, assuming all withdrawals occur at retirement age (i.e., you take a full distribution of your account balance at the target retirement age).</p> <p>&nbsp;</p> <p>For tax implications other than those specifically addressed here (e.g., the possibility of paying taxes with assets other than assets from your Traditional IRA, the need to include the amount withheld for taxes in income, and the potential to offset the ordinary income generated from the Roth IRA conversion by losses/deductions etc.), consult your tax professional.</p> </div></span></div></div><div class="mds-row"><div class="mds-mb-3 mds-col"><span class="mds-d-flex"><p><span class="accessible-text">Footnote</span><sup class="mds-pr-2">9</sup></p><div class="sc-72d22960-0 ftvATe"><p>Deductibility may be limited if you (or your spouse, if you are married) are covered by a retirement plan at work and your income exceeds certain levels. Please refer to the IRS website for applicable limits: <a rel="noopener" class="chaseanalytics-opt-exlnk regular-link" data-pt-name="wm_lnk_ext_deductionlimit" href="http://www.irs.gov/retirement-plans/ira-deduction-limits" target="_blank">http://www.irs.gov/retirement-plans/ira-deduction-limits</a>.</p> </div></span></div></div><div class="mds-row"><div class="mds-mb-3 mds-col"><span class="mds-d-flex"><p><span class="accessible-text">Footnote</span><sup class="mds-pr-2">10</sup></p><div class="sc-72d22960-0 ftvATe"><p>You cannot deduct contributions to a Roth IRA. Your Roth IRA contribution may be limited based on your filing status and income. Please refer to the IRS website for applicable limits: <a rel="noopener" data-pt-name="wm_lnk_ext_ira" href="http://www.irs.gov/retirement-plans/ira-deduction-limits" target="_blank" class="chaseanalytics-opt-exlnk regular-link">http://www.irs.gov/retirement-plans/ira-deduction-limits</a>.</p> </div></span></div></div><div class="mds-row"><div class="mds-col"><div class="sc-72d22960-0 ftvATe sc-d1bc903d-1 kYtCnR mds-mb-3 mds-body-large mds-jc-center"><p style="text-align: center;"><span class="cux-padding-24"></span><strong><a rel="noopener" class="chaseanalytics-opt-exlnk regular-link" href="https://brokercheck.finra.org/firm/summary/79" target="_blank" data-pt-name="jpm_finra-brkrchk">LEARN MORE</a> ABOUT OUR FIRM AND INVESTMENT PROFESSIONALS AT FINRA BROKERCHECK.<span class="cux-padding-24"></span></strong></p> </div></div></div><div class="mds-row"><div class="mds-col"><div class="sc-72d22960-0 ftvATe sc-d1bc903d-1 fXEdpn mds-mb-3"><p>To learn more about J. P. Morgan’s investment business, including our accounts, products and services, as well as our relationship with you, please review our&nbsp;<a href="https://www.jpmorgan.com/directdoc/form_crs.pdf" target="_blank" rel="noopener" class="chaseanalytics-opt-doc-dnld regular-link" data-pt-name="jpm_crs-pdf">J.P. Morgan Securities LLC Form CRS (PDF)</a>&nbsp;and&nbsp;<a href="https://investment.jpmorgan.com/" class="chaseanalytics-track-link regular-link" data-pt-name="jpm_guide-srv-brkrg">Guide to Investment Services and Brokerage Products</a>.</p> </div></div></div><div class="mds-row"><div class="mds-col"><div class="sc-72d22960-0 ftvATe sc-d1bc903d-1 fXEdpn mds-mb-3"><p>Images on the page are hypothetical and for informational purposes only. Screen images are simulated.</p> </div></div></div><div class="mds-row"><div class="mds-col"><div class="sc-72d22960-0 ftvATe sc-d1bc903d-1 fXEdpn mds-mb-3"><p lang="en">Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved. Past performance is not a guarantee of future results.</p> </div></div></div><div class="mds-row"><div class="mds-col"><div class="sc-72d22960-0 ftvATe sc-d1bc903d-1 fXEdpn mds-mb-3"><p><strong>JPMorgan Chase and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for tax, legal or accounting advice. You should consult your personal tax, legal and accounting advisors for advice before engaging in any transaction.</strong></p> </div></div></div><div class="mds-row"><div class="mds-col"><div class="sc-72d22960-0 ftvATe sc-d1bc903d-1 fXEdpn mds-mb-3"><p>Asset allocation/diversification does not guarantee a profit or protect against a loss.</p> </div></div></div><div class="mds-row"><div class="mds-col"><div class="sc-72d22960-0 ftvATe sc-d1bc903d-1 fXEdpn mds-mb-3"><p>Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products and related services are offered by JPMorgan Chase Bank, N.A. Member FDIC.</p> </div></div></div><div class="mds-row"><div class="mds-col"><div class="sc-72d22960-0 ftvATe sc-d1bc903d-1 fXEdpn mds-mb-3"><p><strong>Chase Mobile<sup>®</sup> app</strong> is available for select mobile devices. Enroll in Chase Online℠ or on the Chase Mobile<sup>®</sup> app. Message and data rates may apply.<br> </p> </div></div></div><div class="mds-row"><div class="mds-col"><div class="sc-72d22960-0 ftvATe sc-d1bc903d-1 fXEdpn mds-mb-3"><p>J.P. Morgan Wealth Management is a business of JPMorgan Chase &amp; Co., which offers investment products and services through <strong>J.P. Morgan Securities LLC</strong> (JPMS), a registered broker-dealer and investment adviser, member <a href="http://www.finra.org/" target="_blank" rel="noopener" class="chaseanalytics-opt-exlnk regular-link" data-pt-name="lnk_finra" data-accessible-text="opens overlay">FINRA</a> and <a href="https://www.sipc.org/" target="_blank" rel="noopener" class="chaseanalytics-opt-exlnk regular-link" data-pt-name="lnk_sipc" data-accessible-text="opens overlay">SIPC</a>. Insurance products are made available through Chase Insurance Agency, Inc. 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Morgan Wealth Management logo, links to Investments" loading="lazy" class="sc-d1f3aa2b-0 hieMvE"/></a></div></div></div><div class="mds-row"><div class="mds-col-12 mds-col-at-576-6 mds-col-at-768-6 mds-col-at-992-3"><div class="mds-pb-5 mds-mb-at-992-5"><h2 class="mds-body-small-heavier">Planning and investments</h2><hr style="--color:var(--secondary);--width:2.5rem" class="sc-b8387b0e-0 kYIcVR mds-my-4" aria-hidden="true"/><div class="sc-72d22960-0 ftvATe sc-2e1ae041-0 mds-body-small"><p>Whether you choose to work with <a class="chaseanalytics-track-link regular-link" href="/personal/investments/advisor-services" data-pt-name="ft_planning_and_inv_advisor_services">an advisor</a> and develop a financial strategy or <a class="chaseanalytics-track-link regular-link" href="https://account.chase.com/investing/self-directedoffer" data-pt-name="ft_planning_and_inv_invest_online">invest online</a>, J.P. Morgan offers insights, expertise and tools to help you reach your goals.</p> </div></div></div><div class="mds-col-12 mds-col-at-576-6 mds-col-at-768-6 mds-col-at-992-3"><div class="mds-pb-5 mds-mb-at-992-5"><h2 class="mds-body-small-heavier">Invest with our advisors</h2><hr style="--color:var(--secondary);--width:2.5rem" class="sc-b8387b0e-0 kYIcVR mds-my-4" aria-hidden="true"/><div class="sc-72d22960-0 ftvATe sc-2e1ae041-0 mds-body-small"><p>Work 1:1 with a <a class="chaseanalytics-track-link regular-link" data-pt-name="inv_ft_jpm_advisor_lnk" href="/personal/investments/advisor-services">J.P. Morgan advisor</a> virtually or in your <a class="chaseanalytics-track-link regular-link" data-pt-name="inv_ft_chase_branch_lnk" href="https://jpmorganwealthmanagement.chase.com/advisor">Chase branch</a> to build a personalized financial strategy based on what’s important to you, starting with a minimum investment of $25,000.</p> </div></div></div><div class="mds-col-12 mds-col-at-576-6 mds-col-at-768-6 mds-col-at-992-3"><div class="mds-pb-5 mds-mb-at-992-5"><h2 class="mds-body-small-heavier">J.P. Morgan online investing</h2><hr style="--color:var(--secondary);--width:2.5rem" class="sc-b8387b0e-0 kYIcVR mds-my-4" aria-hidden="true"/><div class="sc-72d22960-0 ftvATe sc-2e1ae041-0 mds-body-small"><p>Easily research, trade and manage your investments online all conveniently on chase.com and on the Chase Mobile<sup>®</sup> app. <a class="chaseanalytics-track-link regular-link" data-pt-name="ft_jpm_online_investing_offers" href="https://account.chase.com/investing/self-directedoffer">J.P Morgan online investing</a> is the easy, smart and low-cost way to invest online. Check here for the latest J.P.Morgan online investing <a class="chaseanalytics-track-link regular-link" data-pt-name="ft_jpm_online_investing_offers" href="https://account.chase.com/investing/self-directedoffer">offers, promotions, and coupons</a>.</p> </div></div></div><div class="mds-col-12 mds-col-at-576-6 mds-col-at-768-6 mds-col-at-992-3"><div class="mds-pb-5 mds-mb-at-992-5"><h2 class="mds-body-small-heavier">Investment Tools &amp; Resources</h2><hr style="--color:var(--secondary);--width:2.5rem" class="sc-b8387b0e-0 kYIcVR mds-my-4" aria-hidden="true"/><div class="sc-72d22960-0 ftvATe sc-2e1ae041-0 mds-body-small"><p>Our <a class="chaseanalytics-track-link regular-link" data-pt-name="inv_ft_calc_lnk" href="/personal/investments/investment-tools-resources">calculators</a> are here to help you analyze your numbers and ensure you're on the path to meeting your financial goals.</p> <ul> <li>For a comparison of IRAs and which one aligns with you: <a class="chaseanalytics-track-link regular-link" data-pt-name="inv_ft_iracalc_lnk" href="/personal/investments/retirement/retirement-calculators/traditional-ira-calculator">IRA Calculator</a></li> <li>Plan for your retirement: <a class="chaseanalytics-track-link regular-link" data-pt-name="inv_ft_401kcalc_lnk" href="/personal/investments/retirement/retirement-calculators/401K-403B-calculator">401K/403b Calculator</a></li> <li>Compare annuity payouts to create your desired strategy: <a class="chaseanalytics-track-link regular-link" data-pt-name="inv_ft_annuitycalc_lnk" href="/personal/investments/retirement/retirement-calculators/annuity-income-calculator">Annuity Calculator</a></li> <li>Understand how your retirement contributions may differ: <a class="chaseanalytics-track-link regular-link" data-pt-name="inv_ft_iraeligcalc_lnk" href="/personal/investments/retirement/retirement-calculators/ira-eligibility">IRA Eligibility Calculator</a></li> </ul> </div></div></div><div class="mds-col-12 mds-col-at-576-6 mds-col-at-768-6 mds-col-at-992-3"><div class="mds-pb-5 mds-mb-at-992-5"><h2 class="mds-body-small-heavier">Retirement planning</h2><hr style="--color:var(--secondary);--width:2.5rem" class="sc-b8387b0e-0 kYIcVR mds-my-4" aria-hidden="true"/><div class="sc-72d22960-0 ftvATe sc-2e1ae041-0 mds-body-small"><p>Whether you prefer to independently manage your <a href="/personal/investments/retirement" class="chaseanalytics-track-link regular-link" data-pt-name="ft_retirement_ret_plan">retirement planning</a> or work with an advisor to create a personalized strategy, we can help. <a href="/personal/investments/retirement-rollover" class="chaseanalytics-track-link regular-link" data-pt-name="ft_retirement_ret_rollover">Rollover your account</a> from your previous employer and compare the benefits of Brokerage, <a class="chaseanalytics-track-link regular-link" data-pt-name="inv_ft_tradira_lnk" href="/personal/investments/retirement/traditional">Traditional IRA</a> and <a class="chaseanalytics-track-link regular-link" data-pt-name="inv_ft_rothira_lnk" href="/personal/investments/retirement/roth">Roth IRA</a> accounts to decide which is right for you.&nbsp;Planning for retirement can start at any point in your life. 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It’s not a guarantee or representation of future performance. For additional limitations, please review the footnote.\u003cspan class=\"disclosure\" data-disclosure-url=\"/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/in-addition-to-the-other-limitations/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled\"\u003e\u003c/span\u003e \u003cspan class=\"cux-padding-24\"\u003e\u003c/span\u003eEmployee Contributions: Employee contributions\u003cspan class=\"disclosure\" data-disclosure-url=\"/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/this-calculator-assumes/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled\"\u003e\u003c/span\u003e are calculated by multiplying the annual employee contributions\u003cspan class=\"disclosure\" data-disclosure-url=\"/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/for-the-purpose-of-this-calculator/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled\"\u003e\u003c/span\u003e by the number of years between your indicated current age and target retirement age.\u003cspan class=\"disclosure\" data-disclosure-url=\"/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/this-calculation-does-not-include/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled\"\u003e\u003c/span\u003e\u003cspan class=\"cux-padding-24\"\u003e\u003c/span\u003eInvestment returns: The investment returns are calculated based on annual employee and employer contributions\u003cspan class=\"disclosure\" data-disclosure-url=\"/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/this-calculator-assumes/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled\"\u003e\u003c/span\u003e, compounded at the annual rate of return\u003cspan class=\"disclosure\" data-disclosure-url=\"/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/keep-in-mind-select-annual-rate/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled\"\u003e\u003c/span\u003e, over the number of years between the year in which the contributions are made and your target retirement age.\u0026nbsp;\u003cspan class=\"cux-padding-24\"\u003e\u003c/span\u003eThe potential future value of your 401(k)/403(b) is adjusted to account for deferred taxes\u003cspan class=\"disclosure\" data-disclosure-url=\"/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/keep-in-mind-this-calculator-uses/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled\"\u003e\u003c/span\u003e, to show the potential future value of your account in after-tax dollars, at the year of retirement.\u003cspan class=\"disclosure\" data-disclosure-url=\"/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/the-potential-future-value-of-401k/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled\"\u003e\u003c/span\u003e\u003cspan class=\"disclosure\" data-disclosure-url=\"/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/in-addition-to-the-other-limitations/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled\"\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\n"},"type":"chase/models/basic-text"}],"backgroundContainerColor":"primary","expandAtLoad":false,"children@ContentType":"contentfragment","horizontalDividerOff":false},"type":"chase/models/accordion-drawer"}],"children@ContentType":"contentfragment","listName":"401K-403B-calculator-faq"},"type":"chase/models/accordion"},{"values":{"size":"large","color":"primary","roundedBorder":"none"},"type":"chase/models/padding"},{"values":{"dividerPlacementLeft":true,"sectionIdentifier":"plan-retirement","backgroundContainerColor":"primary","roundedEdge":"none","links@ContentType":"contentfragment","verticalDividerOff":false,"title":"\u003ch2 style=\"text-align: center;\"\u003e\u003cspan class=\"mds-title-xlarge\"\u003eOther ways to plan for retirement\u003cspan class=\"cux-padding-24\"\u003e\u003c/span\u003e\u003c/span\u003e\u003c/h2\u003e\n","gridView":false,"sections":[{"values":{"centerAlignmentOn":false,"description":"\u003cp\u003e\u003cspan class=\"mds-body-large\"\u003eYour contributions may be tax-deductible\u003cspan class=\"disclosure\" data-disclosure-url=\"/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/deductibility-limits/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled\"\u003e\u003c/span\u003e. 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Morgan Wealth Management logo, links to Investments","socialMediaLinks@ContentType":"contentfragment","legalDisclaimerContent":"\u003cp\u003e“Chase,” “JPMorgan,” “JPMorgan Chase,” the JPMorgan Chase logo and the Octagon Symbol are trademarks of JPMorgan Chase Bank, N.A. JPMorgan Chase Bank, N.A. is a wholly-owned subsidiary of JPMorgan Chase \u0026amp; Co.\u003c/p\u003e\n","seoContent@ContentType":"contentfragment","productsLinksText":"Other Products \u0026 Services : ","equalHousingLenderText":"Equal Housing Opportunity","siteMapLinks@ContentType":"contentfragment","siteMapLinks":[{"values":{"linkCategoryId":"ft_privacy_security","inverse":false,"leadingSeparator":false,"underline":false,"linkText":"Privacy \u0026 Security","linkPresentationType":"link","isActive":false,"url":"/digital/resources/privacy-security","trailingSeparator":false,"passSourceCodeParam":false,"linkTrackingType":"chaseanalytics-track-link","showSpeedBump":false,"width":"content-driven","linkOpenIn":"samewindow","disabled":false,"trackingId":"ft_privacy_security"},"type":"chase/models/chase-link"},{"values":{"linkCategoryId":"ft_fs_terms","inverse":true,"leadingSeparator":false,"underline":false,"linkText":"Terms of Use","linkPresentationType":"link","isActive":false,"url":"/digital/resources/terms-of-use","trailingSeparator":false,"linkTrackingType":"chaseanalytics-track-link","showSpeedBump":false,"width":"content-driven","linkOpenIn":"samewindow","disabled":false,"trackingId":"ft_fs_terms"},"type":"chase/models/chase-link"},{"values":{"linkCategoryId":"ft_fs_accessibility","inverse":true,"leadingSeparator":false,"underline":false,"linkText":"Accessibility","linkPresentationType":"link","isActive":false,"url":"/digital/resources/accessibility","trailingSeparator":false,"linkTrackingType":"chaseanalytics-track-link","showSpeedBump":false,"width":"content-driven","linkOpenIn":"samewindow","disabled":false,"trackingId":"ft_fs_accessibility"},"type":"chase/models/chase-link"},{"values":{"linkCategoryId":"ft_bb_sitemap","inverse":true,"leadingSeparator":false,"underline":false,"linkText":"Site Map","linkPresentationType":"link","isActive":false,"url":"/digital/resources/sitemap","trailingSeparator":false,"linkTrackingType":"chaseanalytics-track-link","showSpeedBump":false,"width":"content-driven","linkOpenIn":"samewindow","disabled":false,"trackingId":"ft_bb_sitemap"},"type":"chase/models/chase-link"},{"values":{"linkCategoryId":"ft_fs_ext_adchoices","inverse":false,"leadingSeparator":false,"underline":false,"linkText":"AdChoices","linkPresentationType":"link","isActive":false,"url":"https://optout.aboutads.info/?c=2\u0026lang=EN","trailingSeparator":false,"linkTrackingType":"chaseanalytics-opt-exlnk","showSpeedBump":false,"width":"content-driven","linkOpenIn":"newwindow","disabled":false,"trackingId":"ft_fs_ext_adchoices"},"type":"chase/models/chase-link"}],"seoContent":[{"values":{"heading":"Planning and investments","contentInLineStyling":false,"content":"\u003cp\u003eWhether you choose to work with \u003ca class=\"chaseanalytics-track-link regular-link \" href=\"/personal/investments/advisor-services\" data-pt-name=\"ft_planning_and_inv_advisor_services\" data-link-category-id=\"ft_planning_and_inv_advisor_services\"\u003ean advisor\u003c/a\u003e and develop a financial strategy or \u003ca class=\"chaseanalytics-track-link regular-link \" href=\"https://account.chase.com/investing/self-directedoffer\" data-pt-name=\"ft_planning_and_inv_invest_online\" data-link-category-id=\"ft_planning_and_inv_invest_online\"\u003einvest online\u003c/a\u003e, J.P. Morgan offers insights, expertise and tools to help you reach your goals.\u003c/p\u003e\n"},"type":"chase/models/chase-content-item"},{"values":{"heading":"Invest with our advisors","contentInLineStyling":false,"content":"\u003cp\u003eWork 1:1 with a \u003ca class=\"chaseanalytics-track-link regular-link \" data-link-category-id=\"inv_ft_jpm_advisor_lnk\" data-pt-name=\"inv_ft_jpm_advisor_lnk\" href=\"/personal/investments/advisor-services\"\u003eJ.P. Morgan advisor\u003c/a\u003e virtually or in your \u003ca class=\"chaseanalytics-track-link regular-link \" data-link-category-id=\"inv_ft_chase_branch_lnk\" data-pt-name=\"inv_ft_chase_branch_lnk\" href=\"https://jpmorganwealthmanagement.chase.com/advisor\"\u003eChase branch\u003c/a\u003e to build a personalized financial strategy based on what’s important to you, starting with a minimum investment of $25,000.\u003c/p\u003e\n"},"type":"chase/models/chase-content-item"},{"values":{"heading":"J.P. Morgan online investing","contentInLineStyling":false,"content":"\u003cp\u003eEasily research, trade and manage your investments online all conveniently on chase.com and on the Chase Mobile\u003csup\u003e®\u003c/sup\u003e app. \u003ca class=\"chaseanalytics-track-link regular-link \" data-link-category-id=\"ft_jpm_online_investing_offers\" data-pt-name=\"ft_jpm_online_investing_offers\" href=\"https://account.chase.com/investing/self-directedoffer\"\u003eJ.P Morgan online investing\u003c/a\u003e is the easy, smart and low-cost way to invest online. Check here for the latest J.P.Morgan online investing \u003ca class=\"chaseanalytics-track-link regular-link \" data-link-category-id=\"ft_jpm_online_investing_offers\" data-pt-name=\"ft_jpm_online_investing_offers\" href=\"https://account.chase.com/investing/self-directedoffer\"\u003eoffers, promotions, and coupons\u003c/a\u003e.\u003c/p\u003e\n"},"type":"chase/models/chase-content-item"},{"values":{"heading":"Investment Tools \u0026 Resources","contentInLineStyling":false,"content":"\u003cp\u003eOur \u003ca class=\"chaseanalytics-track-link regular-link \" data-link-category-id=\"inv_ft_calc_lnk\" data-pt-name=\"inv_ft_calc_lnk\" href=\"/personal/investments/investment-tools-resources\"\u003ecalculators\u003c/a\u003e are here to help you analyze your numbers and ensure you're on the path to meeting your financial goals.\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eFor a comparison of IRAs and which one aligns with you: \u003ca class=\"chaseanalytics-track-link regular-link \" data-link-category-id=\"inv_ft_iracalc_lnk\" data-pt-name=\"inv_ft_iracalc_lnk\" href=\"/personal/investments/retirement/retirement-calculators/traditional-ira-calculator\"\u003eIRA Calculator\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003ePlan for your retirement: \u003ca class=\"chaseanalytics-track-link regular-link \" data-link-category-id=\"inv_ft_401kcalc_lnk\" data-pt-name=\"inv_ft_401kcalc_lnk\" href=\"/personal/investments/retirement/retirement-calculators/401K-403B-calculator\"\u003e401K/403b Calculator\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003eCompare annuity payouts to create your desired strategy: \u003ca class=\"chaseanalytics-track-link regular-link \" data-link-category-id=\"inv_ft_annuitycalc_lnk\" data-pt-name=\"inv_ft_annuitycalc_lnk\" href=\"/personal/investments/retirement/retirement-calculators/annuity-income-calculator\"\u003eAnnuity Calculator\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003eUnderstand how your retirement contributions may differ: \u003ca class=\"chaseanalytics-track-link regular-link \" data-link-category-id=\"inv_ft_iraeligcalc_lnk\" data-pt-name=\"inv_ft_iraeligcalc_lnk\" href=\"/personal/investments/retirement/retirement-calculators/ira-eligibility\"\u003eIRA Eligibility Calculator\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n"},"type":"chase/models/chase-content-item"},{"values":{"heading":"Retirement planning","contentInLineStyling":false,"content":"\u003cp\u003eWhether you prefer to independently manage your \u003ca href=\"/personal/investments/retirement\" class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"ft_retirement_ret_plan\" data-link-category-id=\"ft_retirement_ret_plan\"\u003eretirement planning\u003c/a\u003e or work with an advisor to create a personalized strategy, we can help. \u003ca href=\"/personal/investments/retirement-rollover\" class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"ft_retirement_ret_rollover\" data-link-category-id=\"ft_retirement_ret_rollover\"\u003eRollover your account\u003c/a\u003e from your previous employer and compare the benefits of Brokerage, \u003ca class=\"chaseanalytics-track-link regular-link \" data-link-category-id=\"inv_ft_tradira_lnk\" data-pt-name=\"inv_ft_tradira_lnk\" href=\"/personal/investments/retirement/traditional\"\u003eTraditional IRA\u003c/a\u003e and \u003ca class=\"chaseanalytics-track-link regular-link \" data-link-category-id=\"inv_ft_rothira_lnk\" data-pt-name=\"inv_ft_rothira_lnk\" href=\"/personal/investments/retirement/roth\"\u003eRoth IRA\u003c/a\u003e accounts to decide which is right for you.\u0026nbsp;Planning for retirement can start at any point in your life. Review our \u003ca class=\"chaseanalytics-track-link regular-link \" data-link-category-id=\"inv_ft_ret_guide_lnk\" data-pt-name=\"inv_ft_ret_guide_lnk\" href=\"/personal/investments/retirement/retirement-planning-guide\"\u003eretirement guide\u003c/a\u003e on getting started, saving, and what to do once you have retired.\u003c/p\u003e\n"},"type":"chase/models/chase-content-item"},{"values":{"heading":"Education planning","contentInLineStyling":false,"content":"\u003cp\u003e\u003ca href=\"/personal/investments/education\" class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"ft_education_planning_funding\" data-link-category-id=\"ft_education_planning_funding\"\u003eFunding for education\u003c/a\u003e can come from any combination of options and a J.P. Morgan Advisor can help you understand the benefits and disadvantages of each one. Compare among \u003ca class=\"chaseanalytics-track-link regular-link \" data-link-category-id=\"inv_ft_529plan_lnk\" data-pt-name=\"inv_ft_529plan_lnk\" href=\"/personal/investments/education/529\"\u003e529 Plans\u003c/a\u003e, custodial accounts, financial aid and other education options to help meet your \u003ca class=\"chaseanalytics-track-link regular-link \" data-link-category-id=\"inv_ft_coll_plng_goals_lnk\" data-pt-name=\"inv_ft_coll_plng_goals_lnk\" href=\"/personal/investments/education/college-planning\"\u003ecollege planning goals\u003c/a\u003e.\u003c/p\u003e\n"},"type":"chase/models/chase-content-item"},{"values":{"heading":"Wealth Plan ","contentInLineStyling":false,"content":"\u003cp\u003eWhen planning for your future, \u003ca class=\"chaseanalytics-track-link regular-link \" data-link-category-id=\"inv_ft_wealthplan_lnk\" data-pt-name=\"inv_ft_wealthplan_lnk\" href=\"/personal/investments/wealth-plan\"\u003eJ.P. Morgan Wealth Plan\u003c/a\u003e can help focus your efforts on achieving your financial goals. Through Wealth Plan, you can connect with an advisor to help you create a plan, adjust your financial strategy, and track your progress.\u0026nbsp;\u003c/p\u003e\n"},"type":"chase/models/chase-content-item"},{"values":{"heading":"Investing insights","contentInLineStyling":false,"content":"\u003cp\u003eStay in \u003ca href=\"/personal/investments/learning-and-insights\" class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"ft_the_know\" data-link-category-id=\"ft_the_know\"\u003eThe Know\u003c/a\u003e by exploring articles and videos on market trends, research and financial planning.\u003c/p\u003e\n"},"type":"chase/models/chase-content-item"}],"otherProductsAndServicesLinks":[{"values":{"linkCategoryId":"ft_inv_online_banking","inverse":false,"leadingSeparator":false,"underline":true,"linkText":"Online 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%s4","selectedItemAccessibleText":"selected","playText":"Play","publishedDate":"Published","eduCenterChaptersText":"Chapters","l3NavMobileDropdownAriaLabel":"categories"},"head":{"twitter":{"image":"","site":"@Chase","creator":"","description":"","title":"","card":"summary"},"hubMeta":{"ogTitle":"","description":"","title":"","ogDescription":""},"facebook":{"image":"","description":"","title":"","type":"article","url":""},"domain":{"analytics":"https://analytics.chase.com","sites":"https://sites.chase.com","staticChaseCdn":"https://asset.chase.com"},"icon":{"appleTouch152":"/etc/designs/chase-ux/favicon-152.png","appleTouch120":"/etc/designs/chase-ux/favicon-120.png","shortcut":"/etc/designs/chase-ux/favicon.ico","icon":"/etc/designs/chase-ux/favicon.ico","appleTouch76":"/etc/designs/chase-ux/favicon-76.png","appleTouch57":"/etc/designs/chase-ux/favicon-57.png"},"iosSmartBanner":{"content":"app-id=298867247, affiliate-data=JPMorganChase"},"seo":{"englishAlternate":"","frenchAlternate":"","gscTag":"","description":" Get your estimated balance with J.P. Morgan Wealth Management's 401(k)/403(b) retirement calculator. Learn more about how your balance is calculated.","spanishAlternate":"","robots":"","canonical":"https://www.chase.com/personal/investments/retirement/retirement-calculators/401K-403B-calculator","title":"401(k)/403(b) Retirement Calculator | Chase"},"article":{"fbPages":"603730309652930","standouturl":"","standout":"","news_keywords":"","author":"","description":"","title":""},"generic":{"charset":"utf-8","viewport":"width=device-width, initial-scale=1.0","fallbackTitle":" 401(k)/403(b) Retirement Calculator | Chase","name":"","title":"","isArticlePage":"false"},"msApplication":{"tileImage":"/etc/designs/chase-ux/favicon-144.png","tileColor":"#FFFFFF"},"script":{"contentServerUrl":"https://www.chase.com","analyticsLiteConfigUrl":"https://secure.chase.com","reportingjsUrl":"/apps/chase/clientlibs/foundation/scripts/Reporting.js"}},"seoSchema":{"mainEntity":{"@type":"Question","name":"How is my number calculated?","acceptedAnswer":{"@type":"Answer","text":"Please note: this isn’t a projection of performance, but a calculation based on the inputs above and the assumptions outlined below. It’s not a guarantee or representation of future performance. For additional limitations, please review footnote eight.\u003cbr\u003eEmployee Contributions: Employee contributions are calculated by multiplying the annual employee contributions by the number of years between your indicated current age and target retirement age.\u003cbr\u003eInvestment returns: The investment returns are calculated based on annual employee and employer contributions, compounded at the annual rate of return, over the number of years between the year in which the contributions are made and your target retirement age.\u003cbr\u003eThe potential future value of your 401(k)/403(b) is adjusted to account for deferred taxes, to show the potential future value of your account in after-tax dollars, at the year of retirement."}},"@type":"FAQPage","@context":"https://schema.org"},"hideSignInOnDesktop":"false","breadcrumb":{},"enableGlobalMbox":"false","relatedArticles":[],"overlays":[],"survey":{"cancelButton":{"values":{"inverse":true,"leadingSeparator":false,"underline":false,"linkText":"No","linkPresentationType":"primary-button","languageCode":"en","isActive":false,"url":"https://www.chase.com","trailingSeparator":false,"passSourceCodeParam":false,"linkTrackingType":"chaseanalytics-track-link","showSpeedBump":false,"linkOpenIn":"samewindow","disabled":false,"trackingId":"btn-public-voc-no"},"type":"chase/models/chase-link"},"pageViews":"3","modalTitle":"Chase Survey","modalContent":"Your feedback is important to us. Will you take a few moments to answer some quick questions?","exclusionDuration":"90","samplingRate":"700","proceedButton":{"values":{"inverse":true,"leadingSeparator":false,"underline":false,"linkText":"Yes","linkPresentationType":"primary-button","languageCode":"en","isActive":false,"url":"https://survey.experience.chase.com/jfe/form/SV_bK77H8hcIrdQ8qq","trailingSeparator":false,"passSourceCodeParam":false,"linkTrackingType":"chaseanalytics-track-link","showSpeedBump":false,"linkOpenIn":"newwindow","disabled":false,"trackingId":"btn-public-voc-yes"},"type":"chase/models/chase-link"}},"theme":"DWM","disableVocSurvey":"false","disclosures":{"staticDisclosures":[{"mirandaStyling":false,"applyBorder":true,"content":"\u003cp style=\"text-align: center;\"\u003e\u003cspan class=\"cux-padding-24\"\u003e\u003c/span\u003e\u003cstrong\u003e\u003ca rel=\"noopener\" class=\"chaseanalytics-opt-exlnk regular-link \" href=\"https://brokercheck.finra.org/firm/summary/79\" target=\"_blank\" data-pt-name=\"jpm_finra-brkrchk\"\u003eLEARN MORE\u003c/a\u003e ABOUT OUR FIRM AND INVESTMENT PROFESSIONALS AT FINRA BROKERCHECK.\u003cspan class=\"cux-padding-24\"\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\n"},{"mirandaStyling":false,"applyBorder":false,"content":"\u003cp\u003eTo learn more about J. P. Morgan’s investment business, including our accounts, products and services, as well as our relationship with you, please review our\u0026nbsp;\u003ca href=\"https://www.jpmorgan.com/directdoc/form_crs.pdf\" target=\"_blank\" rel=\"noopener\" class=\"chaseanalytics-opt-doc-dnld regular-link \" data-pt-name=\"jpm_crs-pdf\"\u003eJ.P. Morgan Securities LLC Form CRS (PDF)\u003c/a\u003e\u0026nbsp;and\u0026nbsp;\u003ca href=\"https://investment.jpmorgan.com/\" class=\"chaseanalytics-track-link regular-link \" data-pt-name=\"jpm_guide-srv-brkrg\"\u003eGuide to Investment Services and Brokerage Products\u003c/a\u003e.\u003c/p\u003e\n"},{"mirandaStyling":false,"applyBorder":false,"content":"\u003cp\u003eImages on the page are hypothetical and for informational purposes only. Screen images are simulated.\u003c/p\u003e\n"},{"mirandaStyling":false,"applyBorder":false,"content":"\u003cp lang=\"en\"\u003eInvesting involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved. Past performance is not a guarantee of future results.\u003c/p\u003e\n"},{"mirandaStyling":false,"applyBorder":false,"content":"\u003cp\u003e\u003cstrong\u003eJPMorgan Chase and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for tax, legal or accounting advice. You should consult your personal tax, legal and accounting advisors for advice before engaging in any transaction.\u003c/strong\u003e\u003c/p\u003e\n"},{"applyBorder":false,"content":"\u003cp\u003eAsset allocation/diversification does not guarantee a profit or protect against a loss.\u003c/p\u003e\n"},{"mirandaStyling":false,"applyBorder":false,"content":"\u003cp\u003eBank deposit accounts, such as checking and savings, may be subject to approval. Deposit products and related services are offered by JPMorgan Chase Bank, N.A. Member FDIC.\u003c/p\u003e\n"},{"mirandaStyling":false,"applyBorder":false,"content":"\u003cp\u003e\u003cstrong\u003eChase Mobile\u003csup\u003e®\u003c/sup\u003e app\u003c/strong\u003e is available for select mobile devices. Enroll in Chase Online℠ or on the Chase Mobile\u003csup\u003e®\u003c/sup\u003e app. Message and data rates may apply.\u003cbr\u003e\n\u003c/p\u003e\n"},{"mirandaStyling":false,"applyBorder":false,"content":"\u003cp\u003eJ.P. Morgan Wealth Management is a business of JPMorgan Chase \u0026amp; Co., which offers investment products and services through \u003cstrong\u003eJ.P. Morgan Securities LLC\u003c/strong\u003e (JPMS), a registered broker-dealer and investment adviser, member \u003ca href=\"http://www.finra.org/\" target=\"_blank\" rel=\"noopener\" class=\"chaseanalytics-opt-exlnk regular-link \" data-pt-name=\"lnk_finra\" data-accessible-text=\"opens overlay\"\u003eFINRA\u003c/a\u003e and \u003ca href=\"https://www.sipc.org/\" target=\"_blank\" rel=\"noopener\" class=\"chaseanalytics-opt-exlnk regular-link \" data-pt-name=\"lnk_sipc\" data-accessible-text=\"opens overlay\"\u003eSIPC\u003c/a\u003e. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase \u0026amp; Co. Products not available in all states.\u003c/p\u003e\n"},{"mirandaStyling":true,"applyBorder":true,"content":"\u003cp style=\"text-align: center;\" lang=\"en\"\u003e\u003cstrong\u003eINVESTMENT AND INSURANCE PRODUCTS ARE:\u003c/strong\u003e\u003c/p\u003e\n\u003cul lang=\"en\"\u003e\n\u003cli\u003e\u003cstrong\u003eNOT FDIC INSURED\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eNOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eNOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003eSUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED\u003c/strong\u003e\u003c/li\u003e\n\u003c/ul\u003e\n"}],"dynamicDisclosures":[{"path":"/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/401k-is-a-feature","content":"\u003cp\u003eA 401(k) is a feature of a qualified profit sharing plan that allows employees to contribute a portion of their wages to individual accounts.\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eTraditional 401(k) salary deferrals are generally excluded from the employee’s taxable income (designated Roth deferrals are not).\u0026nbsp;\u003c/li\u003e\n\u003cli\u003eEmployers can contribute to employees’ accounts.\u0026nbsp;\u003c/li\u003e\n\u003cli\u003eDistributions, including earnings, are generally includible in taxable income (except for “qualified distributions” (as defined by the Internal Revenue Code) from designated Roth accounts).\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eA 403(b) plan (also called a tax-sheltered annuity or TSA plan) is a similar retirement plan offered by public schools and certain 501(c)(3) tax-exempt organizations. Employees save for retirement by contributing to individual accounts. Employers can also contribute to employees' accounts, and distributions are similarly generally includible in taxable income.\u003c/p\u003e\n"},{"path":"/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/in-addition-to-the-other-limitations","content":"\u003cp\u003eIn addition to the other limitations noted above, this calculator does not account for whether any given individual is eligible to contribute to or receive employer contributions under a 401(k) and/or 403(b), the application of the 10% early withdrawal tax (which generally applies to distributions taken prior to age 59½ unless an exception applies) or Required Minimum Distributions (as defined by the Internal Revenue Code), and should be used for educational purposes only. To learn more, go to the IRS 401(k) and 403(b) plan pages, or consult with a tax or legal professional.\u003c/p\u003e\n"},{"path":"/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/this-calculator-assumes","content":"\u003cp\u003eThis calculator assumes that the annual employee and employer contributions specified will be the same amount contributed every year between your current age and target retirement age.\u003c/p\u003e\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\u003cp\u003eThe IRS imposes limits on how much you can contribute annually to a 401(k) or 403(b). In particular, the IRS limits the amount of employee contributions that you can make. This limit is subject to yearly cost-of-living adjustments; for the purposes of this calculator, we limit employee contributions for future years to a single year’s basic annual contribution limit. We are currently using the basic annual contribution limit for 2024 ($23,000).\u003c/p\u003e\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\u003cp\u003eThe IRS also limits the total annual amount of employee and employer contributions that can be made on your behalf. This limit is subject to yearly cost-of-living adjustments; for the purposes of this calculator, we limit employee and employer contributions for future years to a single year’s annual contribution limit. We are currently using the annual contribution limit on total employee and employer contributions for 2024 ($69,000).\u003c/p\u003e\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\u003cp\u003eWe do not take into account IRS limitations other than these basic annual limits on employee and employer contributions.\u003c/p\u003e\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\u003cp\u003eThis calculator does not account for “catch-up” contributions:\u003cbr\u003e\nIf permitted by the 401(k) plan, participants age 50 or over at the end of the calendar year can also make catch-up contributions.\u003c/p\u003e\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\u003cp\u003eIf the 403(b) plan allows, an employee may be able to make the same type of catch-up contributions as may be allowed by a 401(k) plan, and an employee who has worked for a qualified organization for 15 or more years may, if he or she meets certain requirements, be able to make additional contributions of up to $3,000 for up to 5 years. For more information go to IRS 403(b) website and see 15-year rule in Publication 571, Tax-Sheltered Annuity Plans (403(b) Plans) under Contributions.\u003c/p\u003e\n"},{"path":"/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/for-the-purpose-of-this-calculator","content":"\u003cp\u003eFor the purposes of this calculator, we are assuming you have not previously contributed to your 401(k)/403(b) account (and therefore your starting account balance is $0), and that all contributions (both employee and employer) are made on a pre-tax basis (i.e., they are not designated Roth or other after-tax contributions).\u0026nbsp;\u003c/p\u003e\n"},{"path":"/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/this-calculation-does-not-include","content":"\u003cp\u003eThis calculation does not include the calendar year of your target retirement age. The total number of years is calculated by subtracting the indicated current age from the target retirement age.\u0026nbsp;\u003c/p\u003e\n"},{"path":"/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/keep-in-mind-select-annual-rate","content":"\u003cp\u003eKeep in mind: you can select an annual rate of return, or the default rate of return will be 4%. This default rate is not a guarantee of any kind of return.\u003c/p\u003e\n"},{"path":"/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/keep-in-mind-this-calculator-uses","content":"\u003cp\u003eKeep in mind: this calculator uses an assumed retirement tax rate is 12%. Your actual rate may be different.\u003c/p\u003e\n"},{"path":"/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/the-potential-future-value-of-401k","content":"\u003cp\u003eThe potential future value of your 401(k)/403(b) is adjusted to account for the deferred taxes on contributions (employee and employer contributions) and investment returns, assuming all withdrawals occur at retirement age (i.e., you take a full distribution of your account balance at the target retirement age).\u003c/p\u003e\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\u003cp\u003eFor tax implications other than those specifically addressed here (e.g., the possibility of paying taxes with assets other than assets from your Traditional IRA, the need to include the amount withheld for taxes in income, and the potential to offset the ordinary income generated from the Roth IRA conversion by losses/deductions etc.), consult your tax professional.\u003c/p\u003e\n"},{"path":"/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/deductibility-limits","content":"\u003cp\u003eDeductibility may be limited if you (or your spouse, if you are married) are covered by a retirement plan at work and your income exceeds certain levels. Please refer to the IRS website for applicable limits: \u003ca rel=\"noopener\" class=\"chaseanalytics-opt-exlnk regular-link \" data-link-category-id=\"wm_lnk_ext_deductionlimit\" data-pt-name=\"wm_lnk_ext_deductionlimit\" href=\"http://www.irs.gov/retirement-plans/ira-deduction-limits\" target=\"_blank\"\u003ehttp://www.irs.gov/retirement-plans/ira-deduction-limits\u003c/a\u003e.\u003c/p\u003e\n"},{"path":"/content/dam/chaseux-fragments/en/chase-footnotes-and-disclosures/personal/investments/cannot-deduct-contributions","content":"\u003cp\u003eYou cannot deduct contributions to a Roth IRA. Your Roth IRA contribution may be limited based on your filing status and income. Please refer to the IRS website for applicable limits: \u003ca rel=\"noopener\" data-link-category-id=\"wm_lnk_ext_ira\" data-pt-name=\"wm_lnk_ext_ira\" href=\"http://www.irs.gov/retirement-plans/ira-deduction-limits\" target=\"_blank\" class=\"chaseanalytics-opt-exlnk regular-link 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