Is my 401(k) in the right funds?
The 401(k) Asset Allocation Calculator.
Pick the allocation you think is best. This shows how many extra years of work that choice buys, measured against a low-cost S&P 500 index fund.
Step 1
Your 401(k) and your timeline
Step 2
Choose your allocation
Most plans put you in a target-date fund by default.
Quick FAQ
What is the best fund to invest my 401(k) in?
Over the 15 years in this data set, a low-cost S&P 500 index fund produced the highest annualized return of the common plan-menu categories compared. More than ten years from retirement, that is the Refined FI default recommendation. Inside ten years, holding 70% in the S&P 500 and 30% in stable value or short-term bonds shifts the job from growth to protecting the balance you already built.
How can a 401(k) fund choice delay retirement?
A lower annualized return needs more years of contributions to reach the same balance. This calculator keeps your contribution the same and solves for the extra years a chosen allocation needs to match what a low-cost S&P 500 index fund reaches over the same period.
Is this 401(k) calculator financial advice?
No. The tool is educational, uses historical returns, and does not provide personalized investment, tax, legal, or financial advice.