401(k) Calculator
Estimate how a U.S.
401(k) balance may grow by retirement.
Enter age, salary, employee deferral, employer match, salary growth, and expected return to see a projected retirement balance.
Estimated 401(k) balance at retirement$2,061,839
Employee contributions$378,020
Employer match$141,757
Investment growth$1,492,062
| 2026 employee limit reference | $24,500 | |
|---|---|---|
| Catch-up 50+ reference | $8,000 |
| Year | Balance | Contributions | Growth |
|---|---|---|---|
| 1 | $64,093 | $59,900 | $4,193 |
| 2 | $79,490 | $70,097 | $9,393 |
| 3 | $96,293 | $80,600 | $15,693 |
| 4 | $114,608 | $91,418 | $23,191 |
| 5 | $134,554 | $102,560 | $31,993 |
| 6 | $156,253 | $114,037 | $42,215 |
| 7 | $179,839 | $125,858 | $53,980 |
| 8 | $205,456 | $138,034 | $67,421 |
| 9 | $233,256 | $150,575 | $82,681 |
| 10 | $263,406 | $163,492 | $99,913 |
Assumptions
- Contribution limits are shown as references; this estimator does not cap contributions automatically.
- Employer match formulas vary by plan document.
How this calculator works
Formula used
Future 401(k) value compounds current balance plus employee and employer contributions each year until retirement.
Example calculation
A 35-year-old with $50,000 saved, 8% deferral, a 50% match up to 6%, and 7% return can compare employee savings, employer match, and growth.
401(k) Calculator FAQ
Are these retirement and investment calculators financial advice?
No. They are educational planning tools for U.S. users and do not replace advice from a qualified financial, tax, legal, or investment professional.
Why can actual investment results be different?
Actual results can differ because market returns vary, taxes change, fees apply, inflation shifts, and account rules may limit contributions or withdrawals.