401(k) Calculator
Calculate how much your 401(k) will be worth at retirement. See the impact of employer match, compound growth, and salary increases.
💰Your 401(k) Details
2026 limit: $23,500/yr (under 50) | $31,000/yr (50+)
You Put In
$453K
Employer Match
$136K
Growth
$2.28M
Free Money from Employer
$136K 🎁
That's money you'd lose by not contributing!
Where Your Money Comes From
401(k) Growth Over Time
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Employer Match
See exactly how much free money you get from your employer's 401(k) match.
Compound Growth
Visualize how compound interest turns small contributions into a massive nest egg.
Salary Growth
Account for annual raises to see realistic long-term projections.
How to Use
Enter Age & Salary
Set your current age, retirement age, and annual salary.
Set Contributions
Enter your contribution percentage and your employer's match details.
Add Existing Balance
Include your current 401(k) balance for accurate projections.
View Retirement Wealth
See your total 401(k) value with detailed breakdown and growth chart.
The Formula
FV = PV(1+r)^n + C × [((1+r)^n - 1) / r]Frequently Asked Questions
How much should I contribute to my 401(k)?
At minimum, contribute enough to get your full employer match — that's free money. Ideally, aim for 15-20% of your salary. The 2026 contribution limit is $23,500 (under 50) or $31,000 (50+).
What is an employer 401(k) match?
An employer match is when your company contributes money to your 401(k) based on your contributions. A common match is 50% of your contribution up to 6% of salary. For a $75K salary, that's $2,250/year in free money.
What is the average 401(k) return?
The average 401(k) return is roughly 7-10% per year depending on your asset allocation. A portfolio with 80% stocks and 20% bonds has historically returned about 8-9% annually.
When can I withdraw from my 401(k)?
You can withdraw penalty-free at age 59½. Early withdrawals incur a 10% penalty plus income taxes. Required Minimum Distributions (RMDs) start at age 73.
401(k) vs Roth IRA — which is better?
Both are great. 401(k) gives a tax deduction now but you pay taxes on withdrawal. Roth IRA contributions are after-tax but withdrawals are tax-free. Many experts recommend using both.
How much do I need in my 401(k) to retire?
A common rule is 25x your annual expenses (the 4% rule). If you spend $60,000/year, aim for $1.5M. If you spend $100,000/year, aim for $2.5M.