* Current Balance: Your balance does not include your outstanding loan balance.
** The estimates are hypothetical and for illustrative purposes only and do not represent current or future performance of any specific investment. No representations, warranties or guarantees are made as to the accuracy of any projections or calculations. Neither Voya Retirement Insurance and Annuity Company ("VRIAC") nor Voya Institutional Plan Services LLC ("VIPS") shall be liable for any damages or costs of any type arising out of or in any way connected with your use of this calculator. This information does not serve, either directly or indirectly, as legal, financial or tax advice and you should always consult a qualified professional legal, financial and/or tax advisor when making decisions related to your individual tax situation. All investments carry a degree of risk and past performance is not a guarantee of future results. Generally speaking, the greater the return, the greater the risk.
3.00% average inflation rate is assumed. This is for illustrative purposes only. It does not predict actual future inflation rates or value of the dollar. Inflation erodes your spending power over time. Understanding this may change how you save today.