401(k) Calculator
Project your 401(k) balance at retirement.
About the 401(k) Calculator
See what your 401(k) could be worth at retirement — including your employer's match, which is free money. Enter your current balance, salary, contribution percentage, employer match, expected annual return, and years to retirement, and the calculator projects your ending balance, total contributions, and investment growth. It's the easiest way to see whether you're on track and how much a higher contribution or the full match adds over a career.
How to use the 401(k) Calculator
- 1Enter your current balance, salary, contribution %, employer match %, return, and years.
- 2Read the result instantly — it recalculates as you type.
- 3Adjust the numbers to model different scenarios.
Frequently asked questions
Should I contribute enough to get the full match?
Almost always yes — an employer match is an instant, guaranteed return on your contribution. Not capturing it leaves free money on the table.
How much should I contribute to my 401(k)?
A common target is 10–15% of salary including the match. Start where you can and increase it with raises.
What return should I assume?
A diversified portfolio has historically returned ~7% annually after inflation over the long run. Use a conservative estimate for planning.