🏛️ 401(k) Calculator
Enter your current 401(k) balance, salary, contribution rate, employer match, and expected return to project your future account balance.
How the 401(k) Calculator works
Your existing balance and monthly contributions (yours plus any employer match) are projected forward using compound growth at your expected annual return, compounded monthly.
Step-by-step calculation
- 1Enter balance, salary and contribution %.
- 2Add the employer match up to its limit.
- 3Grow the balance and monthly contributions at the expected return.
Worked example
A $20,000 balance, $60,000 salary, 6% contribution and a 50% match on up to 6% ($450 a month in total) at 7% for 25 years grows to about $479,041.
401(k) Calculator examples
| Current 401(k) balance ($) | Projected balance at retirement |
|---|---|
| 10,000 | ~$543,297 (estimate) |
| 15,000 | ~$571,924 (estimate) |
| 20,000 | ~$600,551 (estimate) |
| 25,000 | ~$629,178 (estimate) |
| 30,000 | ~$657,806 (estimate) |
Other inputs kept at the calculator's default values. Results calculated by this calculator.
Why use a 401(k) Calculator?
See whether your retirement savings are on track.
Important factors that can affect your results
- IRS yearly contribution limits.
- Market returns vary.
- Fees and vesting schedules.
Frequently asked questions
Does this account for the annual IRS contribution limit?
No — enter a contribution percentage that fits within the current IRS 401(k) limit (\$24,500 for 2026) yourself; this calculator doesn't enforce it automatically.
Is the projected return guaranteed?
No — this is a projection based on the return rate you enter. Actual investment returns vary and are never guaranteed.
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Last reviewed November 2026 · How we build and check our tools · Report a problem