401(k) Calculator
Project your 401(k) balance at retirement with employer match and salary growth.
Enter your values to see the result.
Results are estimates for planning only. Actual figures depend on your lender or bank, fees, rounding and the exact dates used, so confirm the numbers before you sign anything.
Continue your work
- Roth IRA Calculator — Add a Roth IRA.
- Retirement Calculator — Check whether it is enough.
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Clear instructions
Find steps, examples and limitations below.
Use online
Open the tool in a supported web browser.
Free to use
No sign-up required. Tool-specific limits may apply.
How to use the 401(k) Calculator
Project your 401(k) balance at retirement with employer match and salary growth.
- 1 Enter your age, retirement age, salary and current balance.
- 2 Enter your contribution, the employer match and its limit.
- 3 Enter salary growth and return, and read the projected balance.
Example and practical tips
At 30 with a 75,000 salary, contributing 8% with a 50% match up to 6% can grow to well over a million by 65 at 7% returns.
Frequently asked questions
What are the 2026 limits?
$24,500 in employee contributions, plus an $8,000 catch-up from age 50 and $11,250 at ages 60–63.
Should I always get the full match?
Yes, if you can. The match is extra pay you lose by contributing less.
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