401(k) Calculator
Estimate your 401(k) balance at retirement from your contributions, employer match, expected return and years. Compounds monthly — an estimate for planning.
Year-by-year projection
Project your 401(k)
Enter your balance, salary, your contribution percentage and your plan's real match rule — a match rate applied to your contribution up to a salary cap, like "50% up to 6%". Contributions are added monthly and compounded, the stacked bars show how your own money, the employer match and investment growth build the final balance, and the year-by-year table breaks every year down. If your contribution exceeds the 2026 IRS employee limit of $24,500 the calculator tells you. Download the projection as CSV, print it or share a result card — everything runs in your browser.
FAQ
What can I use 401(k) Calculator for?
401(k) Calculator is useful when you need to estimate your 401(k) balance at retirement from your contributions, employer match, expected return and years. Compounds monthly — an estimate for planning. It is meant for quick checks, everyday workflows and practical tasks where a fast browser-based result is enough.
How do I use 401(k) Calculator correctly?
Enter realistic amounts, rates, periods and assumptions. Small changes in rates or time periods can make a large difference.
What input does 401(k) Calculator need?
Use the fields shown in the tool and keep the input close to the real case you want to solve. If the page includes examples or presets, start with those to understand the expected format.
What result does 401(k) Calculator give me?
The tool returns estimated totals, payments, percentages, balances or projections based on the numbers you enter. In most cases the output updates instantly and can be copied, downloaded or used as a reference for your next step.
How accurate is 401(k) Calculator?
Treat the result as an estimate for planning. Fees, taxes, lender rules, exchange rates and local regulations can change the final number.
Is my data uploaded when I use 401(k) Calculator?
The tool is designed to run in your browser, so ordinary inputs are processed locally unless a page explicitly states that it needs an online lookup.
What common mistakes should I avoid with 401(k) Calculator?
Avoid using unrealistic rates, forgetting fees or taxes, or mixing monthly and yearly values in the same calculation.
What related tasks can 401(k) Calculator help with?
401(k) Calculator is intended for use cases related to "401k calculator" and nearby needs such as "retirement calculator". For best results, follow the labels, examples and options on the page.
What are the limits of 401(k) Calculator?
It is a planning tool, not a professional advisor. Local rules, personal circumstances and real-world conditions can change the final answer.
When should I double-check the output from 401(k) Calculator?
Double-check the output before making payments, investments, tax decisions or business commitments.