401(k) Calculator
Project your 401(k) balance at retirement with employer matching. See how contributions, employer match, and compound growth build your retirement savings over time.
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Inputs
Summary
Total at Retirement
$2,413,884.16
≈ 6 average U.S. homes
401(k) Growth Over Time
Figures current as of 2026. Source: IRS Notice 2025-67
How to Use This Calculator
- Enter your Current Age and target Retirement Age.
- Set your Current Balance, Annual Salary, and Annual Contribution amount.
- Enter your Employer Match percentage and Match Limit (check your benefits package).
- Adjust the expected Annual Return rate (7% is a common estimate for diversified portfolios).
- Review the growth chart and projected Monthly Retirement Income based on the 4% rule.
How the result changes with Retirement Age
| Retirement Age | Total at Retirement |
|---|---|
| 36 | $167,023.74 |
| 51 | $799,407.41 |
| 69 | $3,247,644.35 |
| 84 | $9,575,931.43 |
What each input means
- Current Age
- Your current age in years.
- Retirement Age
- The age at which you plan to retire.
- Current 401(k) Balance
- Current account or loan balance.
- Annual Salary
- Your gross annual salary (used to calculate employer match limit).
- Annual Contribution
- 2026 limit: $24,500 ($32,500 if 50+).
- Employer Match
- Percentage of your contribution the employer matches.
- Match Limit (% of salary)
- Employer matches contributions up to this percentage of your salary.
- Expected Annual Return
- Expected average annual investment return.
How this is calculated
Worked example, using the default values
- Identify Input Parameters4 parametersCurrent Age = 30, Retirement Age = 65, Current 401(k) Balance = 50000, Annual Salary = 75000 = 8 input(s) provided
- Calculate Total at Retirement2413884.16 = $2,413,884.16
- Calculate Your ContributionsYour Contributions400000 = $400,000
- Calculate Employer Match TotalEmployer Match Total78750 = $78,750
Figures and sources
- 2026 401(k) contribution limit (2026) — IRS Notice 2025-67
Engine last updated .
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