The 401(k) Calculator can estimate a 401(k) balance at retirement as well as distributions in retirement based on income, contribution percentage, age, salary increase, and investment return. It is mainly intended for use by U.S. residents.
Project retirement savings with compound interest, employer match, and yearly growth charts.
Run the 401 calculator to see your yearly growth chart.
Run the 401 calculator to see your yearly growth chart.
This free 401K calculator (also searched as a 401 calculator) estimates your projected retirement balance by compounding monthly contributions and employer match at your expected annual return. Use it to compare match scenarios and plan long-term savings.
A 401K is a tax-advantaged employer-sponsored retirement account. This calculator projects your balance at retirement based on your current savings, monthly contributions, employer match, and expected annual investment return.
Enter the employer match as a percentage of your monthly contribution. For example, 50% means your employer adds $250 for every $500 you contribute. The exact match structure varies by employer.
A commonly used estimate for a diversified stock-heavy portfolio is 6–8% per year over the long term. Lower rates are more conservative. This calculator does not account for inflation or taxes.