Skip to content
snip tools

401(k) calculator

Project your 401(k) balance from contributions and your employer’s match.

Runs 100% in your browser
Balance at retirement
—
Total contributed
—
Investment growth
—
Your + match / mo
—

How to project your 401(k)

  1. Enter salary and balance. Add your annual salary and current 401(k) balance.
  2. Set contributions. Enter your contribution % and your employer’s match %.
  3. Project to retirement. Set the return and years to see the projected balance.

Don’t leave the match on the table

An employer match is an immediate return on your contributions — usually worth capturing in full before anything else. Compare a tax-free Roth IRA alongside it, and see when you could reach financial independence with the FIRE calculator.

Educational tool only — not financial advice. A pre-tax projection that does not enforce IRS contribution limits; returns vary.

Frequently asked questions

How does a 401(k) calculator work?
It projects your retirement balance from your current balance plus ongoing contributions — yours and your employer’s match — compounding at an assumed annual return until retirement.
How does the employer match work?
Many employers match a percentage of your salary that you contribute, up to a limit. Enter the match as a percent of salary; the calculator adds it to your own contributions.
What return should I assume?
A long-run diversified stock/bond return is often modelled around 6–8% before inflation. Lower it for a more conservative estimate; results are sensitive to this input.
Does it include taxes or contribution limits?
No — it’s a pre-tax projection and does not enforce annual IRS limits. Treat it as an estimate, not tax advice.
Is anything uploaded?
No — it computes in your browser.

More Finance & options tools

Roth IRA calculatorFIRE calculatorCompound interest calculatorOptions profit calculatorBlack-Scholes calculatorImplied volatility calculatorExpected move calculatorCovered call calculatorIron condor calculatorWheel strategy calculatorMax pain calculatorRule of 16 calculatorSavings calculatorHigh-yield savings calculator