401(k) Calculator - Free Retirement Estimator
Estimate your 401k balance including employer match.
Tool Interface
401(k) Calculator
Estimate your 401(k) balance at retirement — including your employer match.
projected 401(k) balance at retirement
How to use
Enter your ages, balance, salary, contribution rate, employer match terms, and expected return. The calculator projects your balance and splits it into your contributions, employer match, and growth.
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About This Tool
Frequently Asked Questions (FAQ)
How does the 401(k) calculator project my balance?
Enter your current age, retirement age, balance, salary, contribution rate and expected return. It compounds your contributions year by year to estimate your balance at retirement.
How does the employer match work here?
Enter your employer match percentage and the salary cap it applies to. The calculator adds the match to your contributions — free money that compounds alongside your own savings.
What return rate should I assume?
Many planners use 6 to 7 percent after inflation for a stock-heavy portfolio. Being conservative keeps your plan realistic.
Why does starting early matter so much?
Compound growth rewards time. Money invested in your 20s can double several more times than money invested in your 40s.
Is the 401(k) calculator free?
Yes. It is free to use with no signup and no limits. Projections are estimates for planning, not financial advice.