Retirement Loss Calculator
This tool estimates your total potential retirement loss when both excess fees and weak investment performance are measured against a prudent benchmark, giving you a single illustrative dollar figure to discuss in a free review.
Is your 401(k) quietly costing you money?
Most people have no idea what their workplace retirement plan charges them — or how much it quietly adds up to over the years. These free tools spell it out in plain English. No jargon, no cost, and nothing you need to look up.
Retirement Loss Calculator
If your workplace plan charged too much or picked poor investments, your savings may have grown a lot slower than they should have. This shows the gap between what you have and what a well-run plan might have produced — a number that's often bigger than people expect. Don't know the exact figures? Our typical estimates are already filled in.
This gap is the savings you may have missed out on — not because of anything you did, but because of how the plan was run. A free review can tell you whether any of it may be recoverable.
Worried by what you see? Talk to an attorney — free.
You don't have to understand any of this. If these numbers look off, a free, confidential review will tell you in plain English whether your employer's plan may owe you money. You pay nothing unless money is recovered, and your employer is never contacted without your okay.
A quick note. These tools give rough, illustrative estimates based only on what you enter and on simple assumptions (steady yearly growth, no taxes). They are not financial or legal advice, not a prediction of any outcome, and they don't prove that anyone did anything wrong or that any money can be recovered. Any actual recovery is decided by a court and depends on facts these tools can't capture. Using this tool doesn't make us your lawyers, and prior results don't guarantee a similar outcome. Attorney Advertising.
How to read your result
- The result combines the impact of excess fees and underperformance against a prudent benchmark.
- Larger gaps often mean a plan deserves a closer fiduciary review.
- A meaningful loss figure does not by itself prove a breach.
- It's a starting point for a conversation with an ERISA attorney — not a settlement number.
Common reasons plans get reviewed
If your result looks concerning, these are the practice areas that most often line up with what this tool measures.
Frequently asked questions
Does this tool cost anything?
No. It's free, anonymous, and there's no obligation. You don't have to share your contact info to use it.
Is this a guarantee of how much I can recover?
No. It's an illustrative estimate, not legal advice or a prediction of any individual outcome. Actual results in ERISA cases depend on the facts of the plan and the court.
What should I do if my result looks concerning?
Request a free, confidential case review. An ERISA attorney will tell you honestly whether your situation looks like a case.
How are the figures calculated?
Using transparent, illustrative formulas — compounding projections, published fee benchmarks, or weighted self-assessment scoring. The component shows its assumptions inline.
What counts as 'underperformance' in this calculation?
Performance materially below an appropriate benchmark over a multi-year period — measured net of fees, against a like-style fund.
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All calculators →Was your 401K plan named in a lawsuit?
A licensed ERISA attorney from ERLG will respond within one business day. Confidential. No cost to consult.
- Speak directly with an ERISA attorney.
- Contingency representation — no fee unless we recover.
- Confidential. Your employer is never contacted without your consent.
A few quick questions — no legal or financial know-how needed. We'll give you an honest read on whether your situation is worth a closer look.
What kind of retirement plan do you have through work?
Don't worry if you're not sure — just pick the closest one.