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401(k) Calculator

US-Specific

Project your 401(k) balance at retirement including employer match

Current Age

Retirement Age

Current 401(k) Balance ($)

Annual Salary ($)

Your Contribution (% of salary)

Employer Match (%)

Match Limit (% of salary)

Expected Annual Return (%)

Projected Balance at Age 65

$1,561,341

Your Contributions

$282,500

Employer Match

$78,750

Growth

$1,200,091

Estimate assumes a constant annual return and salary, which real markets/careers don't guarantee. Doesn't account for IRS contribution limits, vesting schedules, or fees. Not investment advice.

What is this tool?

Projects the future value of a 401(k) retirement account based on your current balance, contribution rate, employer match, expected return, and years until retirement.

How to use it

Enter your current balance, annual contributions, employer match details, expected return rate, and time horizon, and your projected balance at retirement is calculated.

If your employer offers a matching contribution, contributing at least enough to get the full match is generally worth prioritizing before other savings goals — it's an immediate, guaranteed return that's hard to match elsewhere.