💰

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

30
65
$75,000
$30K$500K
10% of salary

2026 limit: $23,500/yr (under 50) | $31,000/yr (50+)

50%
6%
$25,000
8%
3%
401(k) at Retirement$2.89M

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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Key Features

🤝

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

1

Enter Age & Salary

Set your current age, retirement age, and annual salary.

2

Set Contributions

Enter your contribution percentage and your employer's match details.

3

Add Existing Balance

Include your current 401(k) balance for accurate projections.

4

View Retirement Wealth

See your total 401(k) value with detailed breakdown and growth chart.

Formula Used

FV = PV(1+r)^n + C × [((1+r)^n - 1) / r]
FV= Future value of 401(k)
PV= Current 401(k) balance
C= Annual contribution (yours + employer)
r= Annual rate of return
n= Years until retirement

Frequently Asked Questions

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+).