Project your 401(k) balance at retirement from your own contributions, your employer match, and an expected rate of return.
Estimate only — assumes steady contributions and a constant annual return compounded yearly. Real markets fluctuate; contribution limits and vesting apply. General information, not investment advice.
An employer match is an instant, guaranteed return on your money — often 50–100% on the first few percent you contribute. Not contributing enough to get the full match leaves free money on the table every single paycheck.
Balance = current × (1+r)ⁿ + (your + match) × ((1+r)ⁿ − 1) ÷ r
Compounding over decades means the growth column usually dwarfs everything you actually put in.
At minimum, enough to capture the full employer match. Many aim for 10–15% of salary including the match over a career.
A diversified long-run portfolio has historically averaged roughly 7% after inflation — but returns vary year to year and aren't guaranteed. Try a lower rate to stress-test the plan.
Yes — the IRS sets an annual 401(k) deferral limit that changes over time, with an extra catch-up amount at 50+. Check the current year's limit before maxing out.
Related: compound interest calculator · retirement savings calculator · Roth IRA calculator · all free calculators.
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It uses standard formulas and recalculates the moment you change a value, so the math is exact for the inputs you enter. Treat the result as a reliable planning estimate; for decisions with legal or tax consequences, confirm the figures with a qualified professional.
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Last reviewed: September 2026. Free to use, no signup — 401(k) Calculator by ToolWise Digital.
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