401(k) Retirement Calculator
Estimate your retirement balance, employer match, and investment growth.
Enter your current savings and contribution details to project how your 401(k) could grow by retirement.
Basic Information
Example: 50 means the employer adds $0.50 per $1 you contribute, up to the match limit.
Maximum salary percentage eligible for the employer match.
Retirement Projections
Used for planning context; accumulation projection ends at retirement age.
Estimated balance at retirement
$0
Your future contributions
$0
Employer contributions
$0
Estimated investment growth
$0
Projected 401(k) Growth by Age
Starting balance + employee contributions
Employer contributions
Total account balance
How it works:
The calculator assumes contributions are made throughout each year, salary grows by the selected annual rate, and investment returns are applied annually after fees. Employer matching uses the match percentage and salary limit you enter. Your plan may use different matching rules.
Important:
This calculator provides educational estimates, not financial, tax, or investment advice. It does not apply IRS contribution limits, catch-up contributions, vesting schedules, taxes, or plan-specific restrictions. Returns are not guaranteed; consult your plan documents and a qualified professional for personalized guidance.