401k Calculator

Project your 401k growth with employer match, contributions, and investment returns.

Annual Salary

Personal Contribution (%)

Employer Match (%)

Employer Match Cap (%)

Current 401(k) Balance

Annual Return Rate (%)

Years Until Retirement

Projected 401(k) Balance

$736,794

Total Personal Contributions

$180,000

Total Employer Match

$54,000

Total Growth

$502,794

What is a 401(k) Calculator?

Calculate how much your 401(k) will be worth at retirement. Includes employer match, annual contributions, and investment growth.

How to Use

Using the 401(k) calculator is very simple:

Enter your values in the input fields
Click the calculate button
View the results instantly

Tips

Double-check your inputs for accurate results
This tool is for estimation - consult a professional for important decisions
Save your results for future reference

Frequently Asked Questions

How much should I contribute to my 401(k)?+

At minimum, contribute enough to get the full employer match - that's free money. The 2026 contribution limit is $23,500 ($31,000 if 50 or older). Financial advisors often recommend saving 15% of your income for retirement.

What is an employer match?+

Many employers match a percentage of your 401(k) contributions. A common match is 50% of contributions up to 6% of your salary. On a $75,000 salary, that's $2,250 per year in free money.

What return rate should I use?+

The S&P 500 has averaged about 10% per year, or about 7% after inflation. Use 7% for a realistic inflation-adjusted estimate, or 10% for a nominal return estimate. Be conservative when planning.

401k Calculator

What is a 401(k) Calculator?

How to Use

Tips

Frequently Asked Questions

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