PIT (Passive Investment Tool)

PIT (Passive Investment Tool):

- No ads. No subscription. Free. Just accurate projections.
- The Most Accurate 401(k) Projection App for Real-World Retirement Planning

PIT is built for investors who want more than just a simple calculator. 
With a focus on real-world accuracy, PIT models your 401(k) growth, contributions, employer match, and 
withdrawal strategy with the same assumptions used by financial professionals.
Whether you’re just starting your career or planning your retirement withdrawal strategy, 
PIT helps you see the full picture — from your first contribution to your final withdrawal.

Features Available Now-

401(k) Contribution & Growth Model:

- Starting salary and annual raises are based on your input
- Employee contributions are capped at the IRS annual limit
- Employer matching is calculated as a percentage of salary, subject to total IRS contribution limits
- IRS employee contribution limits are projected to increase by $500 per year, based on the 20-year historical average
- IRS total contribution limits (employee + employer) are projected to increase by $1,400 per year, based on historical averages
- Optional $7,500 catch-up contributions are available starting at age 50
- All fund return percentages are shown after deducting fund expense ratios
- Contributions and investment returns compound monthly
- Optional inflation adjustment displays results in today’s dollars, with a default rate set to the 30-year historical average
- IRS limits and tax laws are modeled on historical trends, but future values are not guaranteed

401(k) Withdrawal Projection Model:

- Withdrawals begin at your selected retirement age and continue through your expected life age
- Annual withdrawals are designed to match your inflation-adjusted pre-retirement income, unless RMDs require a higher amount
- Required Minimum Distributions (RMDs) follow the official IRS Uniform Lifetime Table, adjusting yearly based on your age
- Withdrawals are taken proportionally from each fund, based on your allocation
- Remaining funds continue to grow at the average return rate of your selected funds
- Optional inflation adjustment shows all withdrawal amounts and ending balances in today’s dollars
- The model assumes annual compounding and reinvestment of returns until withdrawn

Visual Charts & Data Breakdown:

- Clear, professional graphs of contribution growth, investment returns, and total balances
- Stacked bar charts separating employee contributions, employer match, and investment gains
- Optional detailed year-by-year tables for both contributions and withdrawals
- Smart Projection Settings
- Supports customization of salary, contribution rates, employer match rates, and growth assumptions
- Inflation settings allow you to toggle real-dollar views for better financial insight
- Professional-grade assumptions on IRS limits and market returns — no unrealistic projections

Coming Soon-

- Brokerage Account Projection Model
- Roth IRA Growth & Withdrawal Model
- Tradition IRA Growth & Withdrawal Model

Why Choose PIT-

We built PIT because most retirement apps oversimplify your financial future. 
PIT uses realistic assumptions, accounting for factors like:
- IRS contribution limits and catch-up contributions
- Annual salary increases and inflation rates
- Employer match calculations based on actual compensation
- Required Minimum Distributions and withdrawal strategies

Download PIT (Passive Investment Tool) today and take control of your retirement future.