401(k) Calculator
Project 401(k) growth with employer match.
Inputs
$
%
%
$
%
yrs
Result
Balance in 30 years$1,341,552.03
Monthly Contribution$933.33
About the 401(k) Calculator
The 401(k) Calculator projects your account balance at retirement including your contributions, any employer match, and long-term investment growth.
Calculation method
Same compound-growth formula as the retirement calculator, with employer contributions added to your monthly deposit.
FV = Balance × (1+r)^n + (Employee + Match) × ((1+r)^n − 1)/rHow to use this calculator
- Enter your current balance and salary.
- Enter your contribution % and employer match details.
- Enter your expected return and years to retirement.
Example
A $30,000 balance, $80,000 salary with 10% contribution and 100% match up to 4%, at 7% for 30 years, grows to about $1.15 million.
Frequently asked questions
How much should I contribute to my 401(k)?
At minimum contribute enough to get the full employer match — that's free money. 10–15% of income is a common target for reaching retirement goals.
Traditional vs. Roth 401(k)?
Traditional lowers taxes now, taxed at withdrawal. Roth uses after-tax money and grows tax-free. Roth wins if you expect a higher tax rate in retirement.
What's the 2026 contribution limit?
Limits change yearly. Check IRS Publication 4530 or the plan documents for the current employee contribution and catch-up limits.
Disclaimer: This calculator is for informational and educational purposes only and does not constitute financial, tax, or legal advice. Consult a qualified professional for decisions specific to your situation.