401(k) Calculator

Project what your 401(k) could grow to by retirement, including your employer match.

Current 401(k) balance ($)What you have now Your monthly contribution ($)Your own paycheck deduction Employer match monthly ($)What your employer adds each month Years until retirementHow long it keeps growing Annual return (%)Long-run growth, often 6-8

401(k) value at retirement
Your own contributions
Employer match total
Growth earned

Educational estimate only. Actual returns vary and contribution limits change each year.

How it works

Your 401(k) grows from three sources: the balance you already have, your own paycheck contributions, and any employer match, all compounding until retirement. This projects the total and breaks out how much came from you, your employer, and pure growth. An employer match is free money — not contributing enough to get the full match is leaving part of your paycheck on the table.

All retirement calculators

Social Security Taxation → Guide: How SS Is Taxed → Net Worth → Traditional IRA → 72(t) SEPP → FIRE Number → Guide: Tax on 401(k) Withdrawal → Guide: When Should You Retire → Fixed Annuity → Deferred Annuity → Annuity vs CD → Guide: Immediate Annuity Income → Guide: Should You Take a Buyout → Guide: SS Spousal Benefits → Guide: Pension COLA Raises → Guide: How Much to Retire → Guide: How a Lump Sum Is Calculated → Guide: Lump Sum vs Monthly → Guide: How to Calculate Your RMD → Guide: Early Withdrawal Penalty → Pension Lump Sum Tax → Interest Rate Impact on Lump Sum → Early Retirement Reduction → Roth Conversion → Inherited IRA (10-Year Rule) → TSP (Thrift Savings Plan) → Cash Balance Pension → QDRO / Divorce Pension Value → Pension Lump Sum vs Monthly → Pension Buyout / Commuted Value → Pension Survivor Benefit → Pension COLA → Immediate Annuity Payout → Annuity vs Lump Sum → Annuity Present Value → How Long Savings Last → Withdrawal Rate → How Much to Retire → Income Gap → Inflation Impact → Social Security Break-Even → RMD (Required Minimum Distribution) → Social Security Spousal Benefit → Pension vs 401(k) Rollover → Early Withdrawal Penalty → Pension Maximization → 403(b) Retirement Calculator → 457(b) Retirement Calculator → Rule of 55 Calculator → Backdoor Roth IRA Calculator → Social Security Claiming Age Optimizer → Federal Pension (FERS) Calculator → Net Unrealized Appreciation (NUA) →