Retirement calculator
Your retirement, projected.
Project your 401(k) or IRA balance at retirement, assuming halal-screened equity returns and your contribution plan. Includes employer match.
Inputs
Adjust to your situation.
Current age
Retirement age
Current balance (USD)
Monthly contribution (USD)
Employer match (% of salary)
Monthly salary (USD)
Expected annual return (%)
Halal-screened US equity has historically tracked the broader market within ~50bps over long horizons.
Balance at retirement
$2,626,172
In 30 years (age 65).
Your contributions
$540,000
Employer match
$115,200
Investment growth
$1,920,972
How it works
The wrapper is permissible; the holdings make it halal.
Hold halal-screened funds inside
HLAL, SPUS, Amana funds, or Wahed inside your 401(k) or IRA. Avoid the default target-date fund glide path that includes conventional bond exposure.
Capture the employer match
The match itself is permissible compensation. Set your contribution to at least the match level so you do not leave it on the table.
Roth vs traditional
A Roth wrapper is permissible. A traditional wrapper is also permissible. Pick by tax planning, not Sharia rules.
Purification
Some halal funds publish purification rates; subtract the rate from dividends and donate to charity without intent of reward. The /tools/purification-calculator handles the math.
Open or move your account
Compare halal retirement options.
Halal-specific 401(k) plans, IRA-compatible halal funds, and how to coordinate with your employer.
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