401(k) Calculator
Project your 401(k) balance at retirement.
Enter your values
ⓘ Live results
Results
- Balance at retirement
- $851,425.23
- Total contributed
- $285,000.00
- Investment growth
- $566,425.23
- Annual contribution incl. match
- $9,600.00
- Free money from match per year
- $3,200.00
- 4% withdrawal income
- $34,057.01
Quick answer
Your 401(k) grows from your contributions, the employer match and compounding returns — the match is an instant 50–100% return.
How to use the 401(k) Calculator
- 1Enter your salary and contribution percentage.
- 2Add your employer's match.
- 3Set your current balance, return and years left.
Worked example
Using the values the calculator loads with:
Inputs
- Annual salary80000 $
- Your contribution8 %
- Employer match4 % of salary
- Current balance45000 $
- Annual return7 %
- Years to retirement25
Results
- Balance at retirement$851,425.23
- Total contributed$285,000.00
- Investment growth$566,425.23
- Annual contribution incl. match$9,600.00
- Free money from match per year$3,200.00
- 4% withdrawal income$34,057.01
Frequently asked questions
Should I always get the full match?
Yes — it is the highest-return money available to most workers.
What return should I assume?
6–7% after inflation is a reasonable long-term equity-heavy assumption.
About this calculator
- Built and reviewed by James Whitfield · How we build and test calculators
- Report an error
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.