Fill in the four easy questions below to estimate how much to contribute:
      
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John Hancock Retirement Plan Services LLC and Manulife Asset Management Trust Company (conducting business as "John Hancock Trust Company") offer service programs for retirement plans through which a sponsor or administrator of a plan may invest in mutual funds and collective investment trusts on behalf of plan participants. Mutual funds and collective investment trusts available through Fidelity Brokerage Services LLC (“Fidelity ”) have not been individually selected by John Hancock or Fidelity Investments®. Administrative and recordkeeping services are provided by John Hancock Retirement Plan Services LLC. Group annuity contracts are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595. Product features and availability may differ by state. John Hancock Trust Company provides trust and custodial services. Securities products, when offered, are offered through John Hancock Distributors LLC, member FINRA/SIPC.

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT INSURED BY ANY GOVERNMENT AGENCY
© 2013 All rights reserved.
Your Results

Based on the information provided, your estimated contribution amount is:
      
Monthly
Estimated lump sum at retirement

If you would like to adjust your retirement goal, please select another amount from the menu

Calculation Assumptions:
To provide an estimate of your monthly plan contribution amount, the calculator must use assumptions to represent some information that is unavailable, such as the rate of return your savings will earn and your retirement age. Below, we’ve listed these assumptions to give you an idea of how your information was calculated.

Retirement Age
The calculator assumes that you plan to retire at the age of 67.

Inflation
Although inflation at a rate of 2.4% annually is included as part of the calculations, all final figures are expressed in today’s dollars. Source: Consumer Price Index – 10 year average.

Contribution growth
It is assumed that in addition to growing with inflation, your contributions will also increase with regular salary growth. Up to the age of 49, your contribution growth is calculated at 2.5% after inflation and after the age of 50, no growth rate above inflation is assumed. Source: Employment Cost Index – 10 year average.

Social Security benefit
It is assumed that you will receive a benefit from Social Security, which will help meet part of the retirement goal you selected. The benefit used is based on the income level for your selected retirement goal, and ranges between $9,816 and $34,764 annually. Source: Social Security Administration, 2014.

Investment growth
For the purposes of this calculator, we’ve assumed a balanced investment option and a rate of return based on years to retirement. After retirement age, investment growth is projected at an annuity rate of 3.3% annually. This assumption is not based on the past performance of your investment options or any options available through John Hancock, and may not reflect the current risk strategy of your existing portfolio or any future performance. Past performance is no guarantee of future results.

Mortality rate
The amount calculated for your lump sum is expected to support you at the retirement goal you selected from the time you retire until the age of 84. Source: Centers for Disease Control and Prevention, 2012.

Monthly Savings
Contribution amounts may include employee and employer contributions made to your company’s qualified retirement plan, and deposits to other qualified and nonqualified accounts.

Contributions to qualified accounts may not exceed plan or regulatory limits. The principal value of your contributions and any investment growth are not guaranteed and their market value may fluctuate, and when redeemed may be worth more or less than the original investment.

This calculator is intended as an educational tool only. The illustrations provided in this calculator are hypothetical and there are no guarantees that the results shown will be achieved or maintained over any time period. It assumes no withdrawals and does not take into account fees associated with investment.

John Hancock will not be liable for any damages arising from the use or misuse of this calculator or from any errors or omission in the same.

Income tax rules on how withdrawals are handled may vary from state to state. Also, special tax rules apply in the state of Massachusetts and in Puerto Rico for participants who are partners or sole proprietors. If these rules apply to you, the tax rates used in the calculator may not necessarily apply to you. Please consult your tax advisor for your individual situation.

Any calculation does not take into account the costs or fees associated with (1) transferring assets between the accounts, (2) the differences in the rate of return on investments within the account, (3) investing in the plan (i.e. annual account fees), or (4) the effect of federal and/or state taxes on withdrawals.

Calculations are estimates and may not provide accurate projections. Your actual circumstances, including current income, retirement age, retirement needs or rate of return, may vary. Withdrawals of taxable amounts will be subject to ordinary income tax and, if taken prior to age 591⁄2, a 10% IRS tax penalty may apply. This is not intended as investment or legal advice.

John Hancock Retirement Plan Services LLC and Manulife Asset Management Trust Company (conducting business as "John Hancock Trust Company") offer service programs for retirement plans through which a sponsor or administrator of a plan may invest in mutual funds and collective investment trusts on behalf of plan participants. Mutual funds and collective investment trusts available through Fidelity Brokerage Services LLC ("Fidelity") have not been individually selected by John Hancock or Fidelity Investments®. Administrative and recordkeeping services are provided by John Hancock Retirement Plan Services LLC. Group annuity contracts are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595. Product features and availability may differ by state. John Hancock Trust Company provides trust and custodial services. Securities products, when offered, are offered through John Hancock Distributors LLC, member FINRA/SIPC.

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT INSURED BY ANY GOVERNMENT AGENCY
© 2013 All rights reserved.