401(k) Calculator
This 401(k) calculator helps you estimate how your workplace retirement account could grow and what monthly income it might support at retirement.
Enter your numbers and review the live output
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Understand what this tool measures
Enter your current age, retirement age, existing balance, salary, employee and employer contribution rates, expected return, and employer match to project your 401(k) balance over time.
What it measures
This calculator measures the main money relationship behind 401(k) calculator, turning inputs into a planning number instead of a rough guess.
What affects the result
Rates, time horizon, payment size, and other scenario assumptions usually have the biggest impact on the final result.
How people use it
People use the output to compare options, pressure-test affordability, and decide whether the current setup still fits the goal.
How to keep the result
This 401(k) calculator supports shareable URL state, so the current inputs can be copied into a link and reopened later without re-entering the scenario.
What the result means
401(k) Calculator turns the raw output into a planning answer so users can understand what the number means before making a money decision.
How people use this calculator
Standard contribution plan
Age 32, $95,000 salary, 10% employee contribution, 100% employer match up to 4%, 7% annual return.
The projection shows how the balance builds and how much the employer match contributes over a 35-year horizon.
Later start, higher savings
Age 40, $120,000 salary, 15% contribution, 50% match up to 6%, 7% return.
Even starting later, a higher savings rate and employer match can build a meaningful balance by retirement.
Calculator feedback
Tell us if this calculator is working well
Use quick feedback if the result looks right or flag an issue if something seems off. Reports include the current calculator URL so the scenario can be reviewed.
Common questions
How does employer match work?
Your employer adds contributions up to a set percentage of your salary. A 100% match up to 4% means they contribute dollar-for-dollar on the first 4% you contribute.
What return rate should I use?
A common long-term assumption for a diversified portfolio is 6-8% annually, though past returns do not guarantee future results.
How is estimated retirement income calculated?
The calculator applies a 4% annual withdrawal rate to the projected balance, then divides by 12 for a monthly estimate.
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