401(k) Calculator

Estimate 401(k) balance with contributions, employer match, and return rate.

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Calculator

Current Age

Retirement Age

Current 401k Balance

Annual Salary

Employee Contribution (%)

Employer Match (%)

Expected Annual Return (%)

Start Date (optional)

Projected Balance

$0.00

Total Contributions

$0.00

Total Growth

$0.00

Estimated Retirement Date

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How it works

Enter your age, salary, contribution rate, employer match, and return rate, then click calculate. The tool projects 401k balance using a standard growth formula. Results are estimates for informational purposes only.

FAQ

How does employer match affect 401(k) growth?

Employer match adds extra contributions, which can significantly increase long-term growth.

What contribution percent should I use?

Use the percentage you plan to contribute. Many people aim to contribute at least enough to get the full match.

What return rate should I use?

Use a conservative long-term estimate based on your portfolio. This tool does not provide financial advice.

Is this calculator free to use?

Yes. This 401k calculator is free to use and does not require an account.