Retirement Calculators

401(k) Calculator

Maximize your retirement savings. Project your 401(k) growth, factor in employer matching, and estimate your future account balance.

Assumptions

Adjust values

Annual salary Current age Retirement age Current 401(k) balance Employee contribution (%) Employer match (%) Employer match cap (%) Expected annual return

Projected 401(k) balance

$2,885,535.67

Employee contribution (annual)

$11,500.00/yr

Employer match (annual)

$3,450.00/yr

Total annual contribution

$14,950.00/yr

About this tool

A 401(k) plan is one of the most powerful tools for building retirement wealth, especially when you take advantage of employer matching contributions. This free 401(k) Calculator helps you project how much your retirement savings will grow over time. By entering your current salary, contribution percentage, employer match rules, and expected rate of return, you can visualize your exact path to financial independence. The biggest mistake you can make with a 401(k) is leaving free money on the table by not contributing enough to get the full employer match. Use this tool to see the massive long-term impact of increasing your contribution rate by just 1% or 2%. Whether you are just starting your career or looking to catch up on your retirement goals, understanding your 401(k) growth trajectory is the first crucial step toward a secure and comfortable retirement.

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