Ad — 728×90
🇺🇸United States

401(k) Calculator

Estimate your 401(k) balance at retirement with employer match and investment returns.

years
years
$
%
%
%
$
%

Results

Projected Balance at Retirement$2.67M
Your Total Contributions$280.0K
Total Employer Match$84,000
Investment Growth$2.26M

What is 401(k)?

The 401(k) Calculator projects your retirement savings based on contributions, employer matching, and investment growth. 2024-2025 contribution limits: $23,000/year ($30,500 if 50+).

Formula

Annual Contribution = Salary × Contribution%
Employer Match = min(Contribution, Salary × Match Limit%) × Match%
Balance grows at (Balance + Annual Total) × (1 + Return%) per year

How to use this 401(k) Calculator?

1. Enter your age and target retirement age. 2. Enter salary and contribution percentage. 3. Set employer match details. 4. Enter current balance and expected returns.

Ad — 300×250

Frequently asked questions

How much should I contribute?
At minimum, contribute enough to get the full employer match. Financial advisors recommend saving 15% of income for retirement.
Traditional vs Roth 401(k)?
Traditional: tax deduction now, taxed at withdrawal. Roth: no deduction now, tax-free withdrawals.
What is an employer match?
Free money — many employers match 50% of your contributions up to 6% of salary.

Related calculators

US Income Tax CalculatorUS Mortgage CalculatorSales Tax CalculatorUS Mortgage CalculatorUS Paycheck CalculatorStudent Loan Calculator
Ad — 728×90