Estimate your future 401(k) balance, employee contributions, employer match, total growth, and possible retirement income based on salary, contribution rate, current balance, and expected return.
Employee contributions:
The calculator estimates yearly contributions as a percentage of your salary.
Employer match:
The employer match is estimated from your salary, your contribution rate, and the stated match limit.
Growth projection:
Your current balance plus future contributions grow annually using the expected return entered.
Retirement income estimate:
The projected balance is also used to estimate possible retirement income using a simple 4% planning rule.
A 401(k) estimate can help you understand whether your current contribution rate and employer match may support your retirement goals. It is useful for testing different contribution percentages, retirement ages, and expected return assumptions.
This tool is especially useful for comparing the impact of contribution increases and full match participation.
Your result shows projected 401(k) balance, total employee contributions, total employer match, total growth, estimated retirement income, and inflation-adjusted future value.
A 401(k) calculator estimates how much a workplace retirement account may grow by retirement age based on salary, contributions, employer match, and expected return.
Employer match is money your employer contributes to your 401(k) based on your own contributions, often up to a stated limit.
If your salary increases over time, your contribution amount may also increase if you contribute by percentage of salary.
No. This is only an estimate based on the values you enter and should not be treated as guaranteed investment or retirement advice.