401(k) Calculator
Project your 401(k) balance at retirement with your contributions, employer match, salary increases and investment returns — capped at the IRS annual limit.
For information and education only — not financial advice. Results are estimates based on the numbers you enter; check important decisions with a qualified professional.
How to use
- 1Enter your salary, contribution percentage and your employer's match formula.
- 2Set years to retirement, salary growth and expected return.
How it's calculated
Each year: your contribution = salary × your % (capped at the employee limit); match = salary × match rate × min(your %, matched %). Balance grows by the annual return. Salary grows each year.
Frequently asked questions
How does a 50% match up to 6% work?
Your employer adds 50 cents for every dollar you contribute, on up to 6% of salary — a 3% of salary match if you contribute 6% or more.
What's the contribution limit?
The IRS sets it yearly — $23,500 for 2025, with catch-up contributions allowed from age 50. Check the current limit on irs.gov and update the field.
Should I contribute at least enough to get the full match?
Most financial guides say yes — an employer match is an instant return on your money that's hard to beat anywhere else.