INVESTMENT CALCULATORS

How much money will you need when you retire? Are you saving towards the purchase of a home or other major financial goal?

Establishing financial goals is much easier when you have the right information. Use our investment calculators to help you determine how much you will need to start saving today in order to reach your retirement goal.

This tool is designed to help you establish your retirement income goals and to help you plan how to get there. It will help you to make calculations that include other sources of income, including your spouse's income — if applicable, and other sources of retirement savings, so that you can get a complete picture of your retirement savings goal.

Loose Change is a fun, easy-to-use calculator that illustrates how much the few dollars you spend here and there on coffee, magazines, etc., can add up to, by the time you retire. If you invest that "loose change" instead of spending it, this tool will show you how it can possibly add up to thousands of dollars by the time you retire. That little extra can make a big difference!

Participating in a 401(k) allows you to enjoy the benefits of a tax-deferred savings. What does this mean in dollars and cents? With our "It's Payday" tool, you can compare how much money you will earn on investments made outside of your retirement savings to money invested in a 401(k).

If you currently do not have any other source of income and want to see if you're putting away enough money for retirement, the Saving Up tool can help. Saving Up will provide you with a snapshot of what your finances will look like at retirement. Saving Up will let you know if you are on track to meeting your retirement needs.

Building a nest egg? Want to see what it will look like by the time you retire? Using an average interest rate of 6% compounded annually, see what your egg will hatch!

If your plan offers the option to make after-tax Roth contributions, and you'd like some help comparing them to traditional before-tax contributions, then this tool will help.

Just answer a few brief questions and you'll be able to view and print a detailed comparison of after-tax Roth contributions to traditional before-tax account contributions. You'll also be able to utilize the Gap Analyzer to help you estimate if you're saving enough for retirement.

Note: This program is strictly for illustrative and educational purposes only. It is intended to show you how your retirement plan can help you reach your retirement goal. It is not intended to guarantee a payment of benefits.

Transamerica does not provide investment tax or legal advice. We recommend that you consult your independent advisor or attorney regarding your particular situation.

The Transamerica Center for Retirement Studies^® ("The Center") is a non-profit corporation and private foundation. The Center is funded by contributions from Transamerica Life Insurance Company and its affiliates and may receive funds from unaffiliated third-parties.

The Center and its representatives cannot give ERISA, tax, investment or legal advice. This material is provided for informational purposes only and should not be construed as ERISA, tax, investment or legal advice. Interested parties must consult and rely solely upon their own independent advisors regarding their particular situation and the concepts presented here. Although care has been taken in preparing this material and presenting it accurately, The Center disclaims any express or implied warranty as to the accuracy of any material contained herein and any liability with respect to it.