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The good news about being behind on retirement savings: the fix is a number, not a miracle. The catch-up calculator projects what your current balance and contributions become by 65, shows the gap to your target, and — most usefully — tells you the exact monthly amount that closes it. The bad news is the number is usually bigger than feels comfortable, which is why the guide also covers the levers that shrink it: later retirement age, lower target, and the 1%-per-raise trick.
contribution plan
A starting rule: estimate yearly retirement spending and multiply by 25 — that supports a 4% annual withdrawal. Adjust for pensions and social security.
No — the last 15 years still hold massive compounding power, and catch-up contributions (higher limits after 50) exist precisely for this.
Automate a contribution increase with every pay rise — you never feel the money and the balance quietly compounds.
Every tool answers instantly from our own knowledge and calculators. Want the deeper, personalised version? Each has a $2.95 full report.