401(k) Calculator
Project your 401(k) balance at retirement.
Enter your values
Results update instantly as you type — no submit needed.
Results
- Balance at retirement
- $851,425.23
- Total contributed
- $285,000.00
- Investment growth
- $566,425.23
- Annual contribution incl. match
- $9,600.00
- Free money from match per year
- $3,200.00
- 4% withdrawal income
- $34,057.01
Quick answer
Your 401(k) grows from your contributions, the employer match and compounding returns — the match is an instant 50–100% return.
How to use the 401(k) Calculator
- 1Enter your salary and contribution percentage.
- 2Add your employer's match.
- 3Set your current balance, return and years left.
Frequently asked questions
Should I always get the full match?
Yes — it is the highest-return money available to most workers.
What return should I assume?
6–7% after inflation is a reasonable long-term equity-heavy assumption.