401(k) Calculator

Your details

yrs
yrs
% of salary
A 100% match means the employer adds $1 for every $1 you contribute, up to the match limit.
% of your contribution
The employer matches only up to this share of your salary.
% of salary
Many plans match 100% on the first few percent, then 50% on the next few.
2026 employee limit is $24,500, or $32,500 at age 50+ ($35,750 for ages 60 to 63). Employer match does not count toward it.
%
%
Used to show your balance in today’s purchasing power.
%
How long the savings need to last in retirement.
yrs
A more conservative return once you stop working.
%
Currency
Balance at retirementOn track for $1M+
$1,603,125
In today’s dollars$675,511
Total contributions$409,957
Employer match (total)$104,988
Investment growth$1,193,168
Est. monthly retirement income$8,462

Projected to reach about 1,603,125, roughly 8,462 a month in retirement.

  • About 74% of your projected balance comes from compound growth, not the cash you paid in.
  • After inflation, that 1,603,125 is worth about 675,511 in today’s purchasing power.
  • Your employer adds roughly 104,988 in matching over your career, free money on top of what you save.
  • Even a 1% bump in your contribution rate compounds into tens of thousands of dollars over decades.

Next stepContribute at least enough to get every dollar of your employer match before investing elsewhere.

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