401k Calculator
Project how large your 401k could grow by retirement, including the effect of an employer match. Enter your annual salary, the percentage of pay you contribute, your employer match rate and its cap, your current balance, the annual return you expect and the years until you retire. The calculator adds your contributions and the matched amount each month, compounds the balance at your chosen return, and shows the projected total along with how much came from you, from the match, and from investment growth. The employer match is effectively free money, and seeing its contribution over decades is often the most persuasive reason to contribute at least enough to capture the full match. Returns are assumed steady, so treat this as a planning estimate. Everything is computed locally in your browser.
How to use 401k Calculator
- Enter your salary and contribution percent.
- Enter your employer match.
- Set your expected return and years to retirement.
- Read your projected 401k balance.
Frequently asked questions
How does the employer match work in the projection?
It adds your employer contribution, usually a percentage of your salary matched up to a limit, on top of your own contributions before compounding.
What inputs drive the result?
Your salary, contribution percent, employer match, expected annual return and years to retirement all feed the projected balance.
Does it assume salary growth?
The core projection uses your current salary and contribution percent. Real balances may differ if your pay rises over time.
What is 401k Calculator?
Project how large your 401k could grow by retirement, including the effect of an employer match. Enter your annual salary, the percentage of pay you contribute, your employer match rate and its cap, your current balance, the annual return you expect and the years until you retire.
Is 401k Calculator free to use?
Yes. 401k Calculator is completely free, with no sign-up and no usage limits.
Does 401k Calculator work in a web browser?
Yes. 401k Calculator runs in any modern web browser. There is nothing to download or install.
Is my data private with 401k Calculator?
Yes. 401k Calculator runs entirely on your device in your browser, so nothing you enter is uploaded to a server.
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