401(k) Calculator
Project your 401(k) balance with employer match
See where your 401(k) is headed. Enter your salary, contribution rate, employer match and an expected return to project your balance at retirement — and how much of it is pure growth.
Don't leave the match on the table
An employer match is free money — many plans match 50% or 100% of your contributions up to a limit like 6% of salary. At minimum, contribute enough to capture the full match; not doing so is an instant, guaranteed loss of compensation. After that, the two levers are your contribution rate and time: a percentage point more, started years earlier, compounds into a strikingly larger balance.
Annual contributions are capped by the IRS (the limit rises most years and is higher once you're 50+). This tool keeps your salary and rate flat for clarity, so treat it as a projection, not a promise.
Estimate only — returns vary and aren't guaranteed. Not financial advice.
401(k) Calculator: frequently asked questions
How much should I contribute to my 401(k)?
At least enough to get the full employer match, since that's free money. Many planners suggest aiming for 10–15% of salary including the match over time.
How does employer matching work?
Your employer adds money based on what you contribute — for example, 50% of your contributions up to 6% of your salary. Enter both the match rate and the limit above.