401(k) Calculator

Estimate what your 401(k) could be worth at retirement from your salary, how much you defer, the employer match and an expected annual return.

This 401(k) growth calculator projects the balance you could reach by the age you plan to retire. Enter your current age, what you have saved so far, your salary and the share of it you contribute, then add your employer's match and the return you expect. It steps forward one year at a time, adding your deferrals and the matched dollars and compounding the whole balance, so you can see how much of the final number came from your own pay, from the match, and from investment growth.

Your 401(k) plan

Balance at retirement

$1,215,941

At age 65, after 30 years at 7%

Your contributions
$194,727
Employer match
$97,363
Investment growth
$873,851

Balance at retirement

$1,215,941

  • Your contributions20%
  • Employer match8%
  • Investment growth72%

Assumes a steady average return and contributions made through the year; your starting balance is grouped with your own contributions in the chart. Real markets, raises and contribution limits vary. Estimates only, not financial advice.

How it works

  1. 1

    Enter your age and balance

    Put in your age now, the age you want to retire, and what your 401(k) holds today.

  2. 2

    Set salary, deferral and match

    Add your salary, the percent you contribute, and the employer match such as 50% up to 6% of pay.

  3. 3

    Read the projection

    See the balance at retirement split into your contributions, the employer match and compounded growth.

Instant & 100% private — nothing is uploaded

Every calculation runs locally in your browser. The income, balances and goals you enter stay on your own device and are never sent to a server — nothing is stored, logged or shared.

Frequently asked questions

How does the employer match work in this 401(k) estimator?
Most plans match a percentage of what you defer, capped at a share of your salary. A 50% match up to 6% means the employer adds 50 cents per dollar on the first 6% of pay you contribute. Contribute at least to the cap and you collect the full match; go past it and the extra is unmatched.
Does the calculator account for contribution limits?
No. The IRS caps annual 401(k) deferrals and adjusts the figure each year, with an extra catch-up allowance once you turn 50. This tool projects whatever percentage you enter, so keep your deferral within the current limit for a realistic number.
Why include a salary growth rate?
Because your contribution is a percentage of pay, raises lift the dollars you and your employer add every year. Setting an expected annual raise makes the later years of the retirement 401(k) projection more realistic than assuming a flat salary for decades.
Is the projected balance guaranteed?
No. It assumes a steady average return, but real markets swing from year to year and a run of poor returns near retirement matters a lot. Treat the result as a planning estimate, not a promise.

Important

For information and planning only — not financial, tax or legal advice. These figures are estimates; rates, fees and rules vary, so confirm anything that affects a real decision with a qualified professional or the official source.

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