401(k) Calculator
Project your 401(k) balance at retirement with employer match and salary growth.
5.0 (1 rating)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.
Processing and privacy
Processing varies by tool. Check the instructions for local processing, server requests, external services and any file or request limits before entering sensitive information.
Read the privacy policyHow this calculation works
Understand the method, inputs and limits behind your result.
- Formula
- Project employee contributions and the entered employer match month by month, with salary growth and annual investment return. Matching is limited by the entered match settings.
- Variables
- Current age
- Retirement age
- Annual salary
- Current 401(k) balance
- Your contribution
- Employer match
- Up to
- Salary increase / yr
- Annual return
- Units
- Your contribution: % of pay
- Employer match: %
- Up to: % of pay
- Salary increase / yr: %
- Annual return: %
- Use the same selected currency for all monetary inputs. Changing the symbol does not convert exchange rates.
- Example
- 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.
- Assumptions
- 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.
- Source
- ToolzHive calculation guide and calculator implementation. External reference verification is pending.
- Last reviewed
- Review date not yet recorded.
Methodology & References
The method depends on the selected model and input options. Review the assumptions and references above before interpreting the result.
- Enter your age, retirement age, salary and current balance.
- Enter your contribution, the employer match and its limit.
- Enter salary growth and return, and read the projected balance.
Interpretation and limitations
- 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.
References
External reference verification is pending. The formula and examples describe the current ToolzHive implementation.
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Clear instructions
Find steps, examples and limitations below.
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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.
Practical guides
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How to Use 401(k) Calculator
Project your 401(k) balance at retirement from salary, contribution rate, employer match, raises and returns, with 2026 contribution limits built in.
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