401(k) Calculator

See how contribution rates, employer matching and time could affect a potential 401(k) balance.

Annual salary ($)

Current 401(k) balance ($)

Your contribution (%)

Employer match (%)

Estimated annual return (%)

Current age

Retirement age

Enter your numbers and select Calculate.

What this calculator helps you understand

Free 401(k) calculator for US workers. Estimate a potential retirement balance from salary, contributions, employer match, current balance and time. The goal is to make the financial concept easier to understand by letting you test different scenarios rather than relying on a single example.

How to use it

Enter numbers that match your situation.
Change one assumption at a time and compare the result.
Use the result as an estimate, not a guarantee.

Important: This is an educational calculator. Actual results can differ because of rates, taxes, fees, plan rules, market performance, lender terms and other circumstances.

Frequently asked questions

What is a 401(k)?

A 401(k) is an employer-sponsored retirement savings plan. This calculator provides a simplified projection based on your inputs.

How does an employer match work?

An employer may contribute additional money when you contribute, subject to the employer plan's rules.

Are the results guaranteed?

No. Investment returns are uncertain and actual plan results can differ materially.

Does this include taxes and plan limits?

No. This simplified tool does not model taxes, fees, contribution limits, vesting rules or Social Security.

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