401(k) Calculator
Project your 401(k) balance at retirement from salary, contribution rate, employer match, raises and expected return, and see how much of it the match and growth provide.
Enter your salary, what you contribute, what your employer matches, and how long until retirement. The calculator grows the account year by year, raising your salary and contributions as you go, and shows what the match alone is worth.
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Quick answers
Common cases, computed by this calculator with the assumptions listed under the method. Select one to load it above.
- 6% of a $60,000 salary with a 50% match, from 25 to 65 at 7%?
- $1,636,518 Balance at 65 Open in the calculator
- 10% of a $100,000 salary from 40 to 67, with $50,000 already saved?
- $1,653,697 Balance at 67 Open in the calculator
- 15% of a $75,000 salary from 30 to 65 with no employer match?
- $2,257,064 Balance at 65 Open in the calculator
How the projection works
The balance earns the assumed annual return. Employee and employer contributions receive half a year of return as an approximation for deposits spread over the year. Salary increases after each projected year. Enter return and salary growth consistently in nominal terms or both after inflation; fees and taxes are not deducted.
2026 limits used
Employee contributions are capped at $24,500. The match applies to actual capped contributions, up to the salary percentage entered. Employee plus employer contributions are limited to the smaller of $72,000 or annual compensation. These 2026 limits remain fixed throughout the projection. Catch-up contributions, vesting, plan-specific compensation limits and other employer contributions are not modeled.
Source
IRS retirement-plan limits by year. Your plan can impose additional restrictions.
Calculation notes updated .