Finance category
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401(k) Calculator
Estimate how much your workplace retirement account could hold by retirement based on your current balance, yearly deferrals, employer match, and long-run return assumptions.
Projected balance
$2,205,642
Years to invest
35
Employer match added
$16,800
Investment growth
$1,723,842
How to Use
- Enter your current age, planned retirement age, and the balance already in your 401(k).
- Add the amount you expect to contribute each year through payroll deductions.
- Include the employer match rate so you can see how much free retirement money the plan may add.
- Review the projected ending balance, total contributions, employer match, and investment growth before adjusting your savings rate.
Frequently Asked Questions
What is a 401(k) calculator useful for?
It helps you see how contribution rate, employer match, and time until retirement can change the size of your account, which makes it easier to decide whether to increase payroll deferrals now.
How does employer match affect the result?
Employer match is added on top of your own contribution assumption, so even a modest match can materially raise the projected balance over long periods.
Should I model several return assumptions?
Yes. Retirement planning is stronger when you compare conservative, baseline, and optimistic return scenarios instead of trusting one perfect forecast.
Does this include current IRS contribution limits?
No. This page is a planning calculator, so you should still verify the current tax-year 401(k) limits and any catch-up rules separately.
Is the projection inflation adjusted?
No. The result is a nominal future balance estimate, so you may want to compare it with an inflation-adjusted retirement calculator too.
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