401(k) Calculator
This 401(k) calculator projects your retirement balance by combining your current savings, your ongoing contributions, your employer's match, and investment growth over time. Enter your numbers to see where you're headed — and whether you're leaving employer match money on the table.
Your age today.
When you plan to stop contributing.
What you have saved so far.
Used to calculate your contribution and employer match amounts.
Percent of salary you contribute.
How much your employer contributes per dollar you contribute — e.g. 50% means 50 cents per dollar.
The match only applies up to this percent of your salary, even if you contribute more.
A long-run average for your 401(k) investments.
Projected balance at retirement
सेव करने के लिए लॉग इन करें$1,672,511
Frequently asked questions
Am I leaving money on the table if I contribute less than my match limit?+
Yes — if your plan matches up to 6% of salary and you only contribute 3%, you're forfeiting the employer match on the other 3% entirely. This is usually the single highest-priority savings move available, ahead of almost any other financial goal.
Does this account for contribution limits?+
No — this calculator applies your contribution percentage directly to salary without capping at IRS annual limits. At high salaries and contribution percentages, check whether you'd actually hit the annual dollar limit before your full percentage is contributed.
Should I choose traditional or Roth 401(k) contributions?+
Traditional contributions reduce your taxable income now but are taxed on withdrawal; Roth contributions are taxed now but grow and withdraw tax-free. This calculator doesn't model the tax difference — it projects the account balance assuming either choice grows the same way.