Projected balance at retirement
$2.25MAfter 35 years of contributions and growth401(k) Calculator
Estimate 401(k) growth, employer match value, contribution limits, Traditional versus Roth outcomes, tax impact, and retirement income from your plan…
Retirement planning
401(k) Calculator
Project 401(k) growth, employer match value, contribution limits, and Traditional versus Roth outcomes using your own assumptions.
Growth plannerEstimate future 401(k) balance from your current balance, salary, contribution rate, employer match, return, and inflation assumptions.
401(k) savings assessmentYour modeled 401(k) balance is on a strong path based on these contribution and return assumptions.
Inflation-adjusted balance
$799,787In today's purchasing-power estimateYears to retirement35
Annual employee contribution$6,800
Annual employer match$3,400
Total employee contributions$339,962
Total employer match$169,981
Investment growth$1.70M
Monthly income at withdrawal rate$7,502
Limit utilization29.6%
What-if scenarios
If you maxed employee contributions$4.48M
If you increase contribution by 2%+$295,008 at retirement
If you retire 3 years later$2.82M
If return rate is 1% lower-$454,637 vs current projection
Employer match value over projection$169,981
Year-by-year 401(k) growth
| Age | Salary | Your contribution | Employer match | Growth | Balance |
|---|---|---|---|---|---|
| 32 | $85,000 | $6,800 | $3,400 | $3,150 | $58,350 |
| 33 | $86,700 | $6,936 | $3,468 | $4,085 | $72,839 |
| 34 | $88,434 | $7,075 | $3,537 | $5,099 | $88,549 |
| 35 | $90,203 | $7,216 | $3,608 | $6,198 | $105,572 |
| 36 | $92,007 | $7,361 | $3,680 | $7,390 | $124,003 |
| 37 | $93,847 | $7,508 | $3,754 | $8,680 | $143,945 |
| 38 | $95,724 | $7,658 | $3,829 | $10,076 | $165,508 |
| 39 | $97,638 | $7,811 | $3,906 | $11,586 | $188,810 |
| 40 | $99,591 | $7,967 | $3,984 | $13,217 | $213,977 |
| 41 | $101,583 | $8,127 | $4,063 | $14,978 | $241,146 |
| 42 | $103,615 | $8,289 | $4,145 | $16,880 | $270,460 |
| 43 | $105,687 | $8,455 | $4,227 | $18,932 | $302,074 |
| 44 | $107,801 | $8,624 | $4,312 | $21,145 | $336,156 |
| 45 | $109,957 | $8,797 | $4,398 | $23,531 | $372,881 |
| 46 | $112,156 | $8,972 | $4,486 | $26,102 | $412,442 |
| 47 | $114,399 | $9,152 | $4,576 | $28,871 | $455,040 |
| 48 | $116,687 | $9,335 | $4,667 | $31,853 | $500,896 |
| 49 | $119,021 | $9,522 | $4,761 | $35,063 | $550,241 |
| 50 | $121,401 | $9,712 | $4,856 | $38,517 | $603,326 |
| 51 | $123,829 | $9,906 | $4,953 | $42,233 | $660,418 |
| 52 | $126,306 | $10,104 | $5,052 | $46,229 | $721,804 |
| 53 | $128,832 | $10,307 | $5,153 | $50,526 | $787,790 |
| 54 | $131,408 | $10,513 | $5,256 | $55,145 | $858,704 |
| 55 | $134,036 | $10,723 | $5,361 | $60,109 | $934,898 |
| 56 | $136,717 | $10,937 | $5,469 | $65,443 | $1.02M |
| 57 | $139,452 | $11,156 | $5,578 | $71,172 | $1.10M |
| 58 | $142,241 | $11,379 | $5,690 | $77,326 | $1.20M |
| 59 | $145,085 | $11,607 | $5,803 | $83,933 | $1.30M |
| 60 | $147,987 | $11,839 | $5,919 | $91,027 | $1.41M |
| 61 | $150,947 | $12,076 | $6,038 | $98,642 | $1.53M |
Formula
How 401(k) growth is estimated
The calculator grows your current balance and yearly contributions until retirement, while adding employer match and salary-growth assumptions.
Annual employee contribution = salary × contribution rate, capped by your editable limit
Future balance = current balance growth + employee contributions + employer match + investment growth
Planning
Why employer match and tax treatment matter
Capturing the employer match can add meaningful retirement value, while Traditional and Roth contributions can produce different after-tax outcomes depending on tax rates now and in retirement.
Employer match = salary × matched contribution percentage × match rate
Annual retirement income estimate = projected balance × withdrawal rate
Use cases
When to use this 401(k) Calculator
Use it to estimate future 401(k) savings, employer match capture, tax-treatment tradeoffs, and retirement income estimates before changing contribution elections.
Project your 401(k) balance by retirement age
Use the result as a planning estimate only, then confirm plan limits, match rules, taxes, and investment assumptions with qualified professionals or your plan administrator.
Estimate annual employee contributions and employer match
Use the result as a planning estimate only, then confirm plan limits, match rules, taxes, and investment assumptions with qualified professionals or your plan administrator.
Check whether you are capturing the full employer match
Use the result as a planning estimate only, then confirm plan limits, match rules, taxes, and investment assumptions with qualified professionals or your plan administrator.
Compare Traditional and Roth 401(k) tax assumptions
Use the result as a planning estimate only, then confirm plan limits, match rules, taxes, and investment assumptions with qualified professionals or your plan administrator.
Estimate retirement income from a 401(k) balance
Use the result as a planning estimate only, then confirm plan limits, match rules, taxes, and investment assumptions with qualified professionals or your plan administrator.
Model contribution changes, lower returns, and later retirement scenarios
Use the result as a planning estimate only, then confirm plan limits, match rules, taxes, and investment assumptions with qualified professionals or your plan administrator.
Calculator details
401(k) Calculator formula, assumptions, and examples
Last updated: July 2026
Formula used
Formula used
Future balance = current balance + employee contributions + employer match, compounded by assumed return.
Assumptions
Assumptions
- Contribution rate, employer match, salary growth, and returns are estimates.
- Plan limits, vesting, fees, taxes, and withdrawals can change results.
- Market returns are not guaranteed.
Example calculation
Example calculation
A 5% employee contribution plus a 3% employer match on a $60,000 salary adds $4,800 per year before investment growth.
When to use this calculator
When to use this calculator
Use it to test contribution rates, employer match value, and long-term retirement balance scenarios.
Disclaimer
Disclaimer
This calculator is for estimation and educational use only. It does not replace professional financial, tax, legal, mortgage, investment, or accounting advice.
Questions
Frequently Asked Questions
What does this 401(k) calculator estimate?
It estimates projected 401(k) growth, employee contributions, employer match, investment growth, inflation-adjusted balance, retirement income, and simplified Traditional versus Roth scenarios based on the values you enter.
Does the calculator use exact plan rules?
No. Employer match formulas, vesting, contribution limits, fees, investment options, and tax rules can vary by plan and year. Treat the result as a planning estimate and verify details with your plan administrator.
How is employer match calculated?
The calculator estimates employer match by applying the selected match rate to the portion of salary you contribute up to the match cap you enter or select.
Can this replace financial or tax advice?
No. It is for educational planning only. 401(k) decisions can depend on plan rules, taxes, income, retirement timeline, investment risk, and personal circumstances. Review decisions with a qualified advisor or tax professional.
