Retirement planning made simple

401(k) Calculator

Estimate your future retirement balance using salary, contribution rate, employer match, annual raises and expected investment return.

STEP 01

Enter salary details

Add your annual salary, current 401(k) balance and expected yearly raise.

STEP 02

Set contributions

Choose your employee contribution and employer match rules.

STEP 03

Review projection

See contributions, match, growth and your estimated retirement balance.

Projected Balance

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At retirement

Your Contributions

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Total deposited

Employer Match

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Extra retirement money

Investment Growth

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Estimated earnings

Final Salary

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After annual raises

Your 401(k) Details

Current 401(k) balance

Current annual salary

Your contribution

Annual salary increase

Employer match rate

Match up to salary

Expected annual return

Years until retirement

yrs

Retirement Projection

—ESTIMATED 401(K) BALANCE

Your moneyEmployer matchGrowth

Enter your details and click Calculate.

Contribution Breakdown

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First-year employee contribution

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First-year employer match

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Combined savings rate

Your employer match analysis will appear here.

Projection Details

Starting balance—

Total employee deposits—

Total employer match—

Estimated growth—

Projected balance—

Smart Retirement Tips

Capture the full matchContribute enough to receive all available employer matching dollars.

Increase contributionsRaise your percentage when your pay increases.

Keep fees lowReview fund expense ratios and plan administration costs.

Review annuallyUpdate assumptions as your salary, match and retirement timeline change.

Balance Growth Projection

Calculate to view milestone projections.

Contribution Scenario

Compare with a different contribution rate

Current projection—

Compared projection—

Potential difference—

Calculate first, then compare another contribution rate.

Frequently Asked Questions

An employer may contribute a percentage of what you contribute, often only up to a specified percentage of salary. Plan rules differ, so check your plan documents.

No. It estimates account growth before withdrawals and does not model income taxes, Roth treatment, vesting schedules, loans, fees or required minimum distributions.

No. The return is an assumption. Actual market performance may be higher or lower and can vary significantly from year to year.

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Retirement Planning Disclaimer

This calculator is for general educational estimates only. It does not provide tax, investment or legal advice and does not account for every plan rule, contribution limit, vesting schedule, fee or market condition. Verify current IRS limits and your employer plan details before making decisions.

401(k) Calculator

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