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.