Finance Calculators

401(k) Retirement Calculator

Project your 401(k) balance at retirement based on your salary, contribution rate, employer match and investment return.

Current age

Retirement age

Current 401(k) balance

Annual salary

Your contribution

Employer match (up to % of salary)

Expected annual return

Projected balance at retirement —

Total contributions (you + employer) —

About the 401(k) Retirement Calculator

A 401(k) grows from your own contributions, your employer's matching contributions, and investment returns compounding over your working years.

Formula: Future Balance = Current Balance × (1+r)^years + Annual Contributions × [((1+r)^years − 1) ÷ r]

Employer matching is essentially free money — contributing at least enough to capture the full match is one of the highest-return moves available in personal finance.