401K Calculator

Project your 401(k) balance at retirement, including your contributions and employer match.

How this calculator works

Your contribution and the employer match (a percentage of your contribution, up to typical limits) are added monthly and compounded at your expected return, alongside your current balance.

Monthly deposit = (Your % + Employer match %) × monthly salary
Employer match is modeled as a percentage of your own contribution.

Frequently asked questions

Should I contribute enough to get the full employer match?

Generally yes — an employer match is effectively free money, and missing it is one of the most common ways people leave value on the table.

Does this account for contribution limits?

No — this is a simplified projection. Check current IRS annual 401(k) contribution limits if you're contributing a high percentage of a large salary.