401k Calculator
Estimate your 401k balance at retirement based on your current balance, salary, contribution rate, employer match, and expected returns.
Your data stays in your browser. We do not store, collect, or transmit any information you enter.
Projected 401k Balance
401k Growth is calculated by projecting your annual contributions (yours + employer match) with compound growth over time.
Annual Contribution = Salary × Contribution %
Employer Match = Salary × Match %
Future Value = Current Balance × (1 + r)^n + Annual Total × [((1 + r)^n - 1) / r]
Where r is the annual return rate and n is years to retirement.
Key 401k limits (2026):
- Employee contribution limit: $23,500
- Catch-up (age 50+): additional $7,500
- Total combined limit: $70,000
Tips:
- Always contribute enough to get your full employer match — it is free money
- Even a 1% increase in contributions can add tens of thousands over a career