AA Pilot Retirement Projection

YOUR STANDING

UPGRADE PROJECTION — WHEN CAN I HOLD

base

fleet

seat

hold

fleet growth: 0/yr

target	hold line	pilots ahead	category	est. hold date

PILOTS AHEAD OF YOU FOR

Count of pilots still ahead of you for that specific seat as senior pilots retire — it reaches 0 at your projected hold date (not your overall seniority). Click a target row above to chart it.

401(k) & INCOME PROJECTION

current fleet

seat

pay hrs/yr

401k balance $

your contrib %

return %

pay raise %/yr

401k IRS cap $

real estate $

other savings $

market growth %/yr

inflation %/yr

retire withdrawal %/yr

Social Security $/mo

SS start age

other income $/mo

other income growth %

assume an upgrade to

lineholder hrs/mo

reserve hrs/mo

401k at retirement

—

net worth at retirement

—

401k + RE + savings

INCOME GOING FORWARD (TO LIFE EXPECTANCY)

total comp (flight pay + 18%)total income (working pay → in retirement: withdrawals + SS + RE + other)

401(k) BALANCE & NET WORTH

Employer adds 18% (non-elective), capped at the IRS 401k limit (overflow paid as cash); your deferral compounds monthly. AA 2026 pay scales. 2026 SS max: $2,969@62 · $4,152@67 · $5,181@70 — set to your SSA estimate. Estimates only.

MONTHLY PAY SCHEDULE

month	seat	$/hr	lineholder	reserve	my 401k	co. 18%	total comp

Per-month gross pay at lineholder and reserve credit. Total comp, your deferral, and company 18% are on the lineholder wage. Check "assume an upgrade" above to see pay change at your upgrade date.

OVERALL SENIORITY OVER TIME

ACTIVE PILOTS AHEAD OF YOU, BY YEAR — TO RETIREMENT

Your system standing as the pilots senior to you retire (new hires land below you).