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401(k) Calculator
Project your 401(k) at retirement. Enter your salary, the percentage you contribute, your employer’s match formula, your current balance and your expected raises and investment return. The breakdown shows how much comes from you, your employer and growth. It works the same way for a 403(b) or similar plan.
- Your contributions
- $453,465.61
- Employer contributions
- $136,039.68
- Investment growth
- $1,742,722.44
- Starting balance
- $25,000.00
Year by year
| Age | Salary | You | Employer | Balance |
|---|
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Your recent calculations
Results you calculate here are kept on this device so you can come back to them.
Formula
How to use it
- Enter your salary and the percentage of pay you contribute.
- Enter the match: “50% up to 6%” means a 50% match that applies to the first 6% of salary.
- Enter your current balance, age and planned retirement age.
- Adjust the raise and return assumptions and read the projected balance.
Worked examples
A $60,000 salary with no raises, 10% contributed, 50% match up to 6%, for 10 years at 6% from a zero balance
- Balance at retirement
- $106,521.58
- Your contributions
- $60,000.00
- Employer contributions
- $18,000.00
- Investment growth
- $28,521.58
- Starting balance
- $0.00
Age 30 with $25,000, a $75,000 salary rising 3% a year, 10% contributed, 50% match up to 6%, 7% return to age 65
- Balance at retirement
- $2,357,227.74
- Your contributions
- $453,465.61
- Employer contributions
- $136,039.68
- Investment growth
- $1,742,722.44
- Starting balance
- $25,000.00
Get the full match first
An employer match is an immediate return on your money. On a $60,000 salary with a 50% match up to 6%, contributing 6% ($3,600) earns $1,800 a year from your employer; contributing only 3% leaves $900 a year unclaimed. Matches often vest over several years, so check your plan’s schedule if you may leave early.
Contribution limits
The IRS caps employee contributions each year: $23,500 for 2025 and $24,500 for 2026, with additional catch-up contributions allowed from age 50. This calculator does not apply the cap, so if your percentage would exceed it, lower the percentage to match. Limits change annually; check the current IRS figure.
Traditional contributions reduce taxable income now and are taxed on withdrawal; Roth contributions are the reverse. The projected balance is the same either way — the tax treatment differs. This is an estimate, not tax or financial advice.
Questions people ask
How much will my 401(k) be worth at 65?
A 30-year-old with $25,000 saved, a $75,000 salary rising 3% a year, a 10% contribution and a 50% match up to 6% would have about $2,357,228 at 65 with a 7% return.
How much is a 50% match up to 6% worth?
Up to 3% of your salary. On $75,000 that is $2,250 a year, provided you contribute at least 6%.
How much does 10 years of contributions add up to?
Putting in 10% of a flat $60,000 salary with a 50% match up to 6% is $650 a month in total. At 6% that grows to $106,521.58 in 10 years: $60,000 from you, $18,000 from your employer and $28,521.58 of growth.