401K Calculator

Free Online 401K Calculator

Calculate discounts, savings, and final prices instantly — with support for stacked deals, bulk tiers, and tax.

401(k) Calculator

Growth projections · Employer match · Traditional vs Roth · Tax impact

Your Information

Current Age

yrs

Retirement Age

yrs

Current 401(k) Balance

Contributions

Annual Salary

Your Contribution Rate

Employer Match

% cap

Assumptions

Annual Return Rate

Annual Salary Growth

Inflation Rate

💼

Savings Assessment

—

Projected Balance at Retirement

—

Inflation-Adjusted (today's $)

—

Years to Retirement

—

Annual Contribution

—

Employer Match (annual)

—

Total Employee Contributions

—

Total Employer Match

—

Investment Growth

—

Monthly Income at 4% SWR

—

IRS Limit Utilisation

—

📊 Balance Composition at Retirement

🔮 What-If Scenarios

If you maxed out contributions (IRS limit): —

If return rate was 1% lower (5yr avg headwind): —

If you retire 3 years later: —

If you increase contributions by 2%: —

Employer match value over entire career: —

📋 Year-by-Year 401(k) Growth

Age	Salary	Your Contribution	Employer Match	Balance	Growth This Year

401(k) Insights

Your Employer's Match Program

Annual Salary

Your Contribution %

Match Structure

Years at Company

yrs

Annual Return

Annual Employer Match

—

Match Value Over Career (with growth)

—

Min Contribution for Full Match

—

Your Annual Contribution

—

Full Match Captured?

—

Match Left on Table

—

Effective Return Rate

—

Total Combined Annual

—

Vesting Schedule Impact

—

Cost of Not Contributing

—

📊 Match Optimization

Current match received: —

With 1% more contribution — match gained: —

To capture 100% of available match: —

Uncaptured match grown over career: —

Match as % of your salary: —

Match Strategy Tips

Your Situation

Annual 401(k) Contribution

Years Until Retirement

yrs

Annual Return Rate

Current Tax Rate

Expected Tax Rate in Retirement

Safe Withdrawal Rate

⚖️

Recommendation

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Traditional 401(k)

After-Tax Annual Income in Retirement

—

Roth 401(k)

After-Tax Annual Income in Retirement

—

Trad. — Gross Balance

—

Roth — Tax-Free Balance

—

Tax Saved Now (Traditional)

—

Tax Paid at Withdrawal (Trad.)

—

Trad. Net After-Tax

—

Roth Net (same, all tax-free)

—

Breakeven Tax Rate

—

Advantage

—

🔮 Tax Bracket Sensitivity

If retirement tax rate is 10%: —

If retirement tax rate is 22%: —

If retirement tax rate equals current (same bracket): —

If retirement tax rate is higher by 5%: —

Benefit of Roth if holding 10+ extra years: —

Traditional vs Roth Insights

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