Overview
What Is a 401k Calculator?
This tool projects your 401k balance at retirement, factoring in your contributions, employer match, and expected investment return.
Project your 401k balance including employer match.
This tool projects your 401k balance at retirement, factoring in your contributions, employer match, and expected investment return.
Useful for understanding how your 401k contributions plus employer matching grow over your working years.
Input your starting point.
Input your savings rate and any employer matching.
Input your timeline and expected growth.
The result updates automatically.
A US employer-sponsored retirement savings plan that often includes employer matching contributions.
This varies by employer - common structures include matching 50-100% of employee contributions up to a certain percentage of salary.
Generally yes, since employer match is essentially free additional retirement money.
No, this assumes a constant salary - actual growth may be higher with raises increasing your contribution amounts.
No, this shows gross projected balance - actual tax treatment depends on whether it's a traditional or Roth 401k.
Historical stock market averages are often cited around 7-10% annually, though this isn't guaranteed.
No, calculations happen entirely in your browser.
No, this is a straightforward growth projection - actual 401k contributions are subject to annual IRS limits.
This is designed for traditional employer-sponsored 401k plans - self-employed retirement accounts (like Solo 401k) work similarly though.
Yes, completely free with no sign-up required.