Finance Tools
401(k) Calculator
Estimate how your 401(k) balance could grow based on current balance, annual contributions, employer match (optional), return rate, and years until retirement.
401(k) Calculator
Estimate how your 401(k) balance could grow over time based on contributions, optional employer match, and an expected annual return rate. This is a simplified projection for planning.
Results
Employer Match (annual): $3,000
Total Added Each Year: $15,000
Estimated 401(k) Balance at Retirement: $1,144,858
How a 401(k) grows
A 401(k) typically grows through ongoing contributions and compound returns. Employer match can meaningfully increase long-term outcomes. This calculator uses a simple annual projection model.
FAQ
Does this include contribution limits?
No. This tool is a planning estimate and does not enforce annual IRS contribution limits. You can adjust your contribution input to match your expected limit.
Is this inflation-adjusted?
No. This shows nominal dollars. For a conservative view, lower the return rate to approximate inflation-adjusted growth.
How to use this 401(k) calculator
- Enter your current 401(k) balance.
- Enter your annual contribution amount.
- Optionally enter employer match as a percent of salary and your salary.
- Enter expected annual return rate and years until retirement.
- Review estimated future 401(k) balance.
Example
If you have $75,000 in your 401(k), contribute $12,000 per year, get $3,000/year employer match, earn 6% annually for 25 years, your balance could grow to over $900,000.
- Starting balance = $75,000
- Total yearly additions = $12,000 + $3,000 = $15,000
- Years = 25, Return = 6%
- Estimated 401(k) balance ≈ $900,000+
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