Free 401(k) Calculator

Estimate your retirement savings, employer matching contributions, and investment growth with this free 401(k) retirement calculator.

Your Retirement Details

Current AgeRetirement AgeAnnual Salary ($)Current 401(k) Balance ($)Your Contribution (% of Salary)Employer Match (% of Eligible Contributions)Employer Match Limit (% of Salary)Expected Annual Investment Return (%)Annual Salary Growth (%)

Your Retirement Projection

Estimated 401(k) Balance at Retirement

$1,598,552

Years Until Retirement

32 years

Your Future Contributions

$265,362

Employer Contributions

$99,511

Estimated Investment Growth

$1,183,680

Projection includes your current balance, future contributions, employer matching, and compounded investment returns.

How the 401(k) Calculator Works

A 401(k) is an employer-sponsored retirement savings plan. Your contributions and any employer matching contributions are invested and may grow over time.

This calculator estimates your future retirement balance using monthly contributions, annual salary increases, and a constant assumed investment return. It assumes contributions occur at the end of each month.

Frequently Asked Questions

What is an employer 401(k) match? An employer may contribute additional money based on how much you contribute. Matching formulas vary by employer.

Does this calculator include taxes? No. The projection shows an estimated account balance before any applicable taxes or withdrawal costs.

Are future returns guaranteed? No. Actual investment returns fluctuate, and retirement savings may grow faster or slower than these estimates.

For educational purposes only. This calculator does not account for contribution limits, catch-up contributions, investment fees, inflation, taxes, vesting schedules, or market volatility. Consult your plan documents for employer match details.