401(k) Calculator
Project your 401(k) balance at retirement with salary growth, your contribution rate, employer match and investment returns.
Your numbers
- Your contributions
- $538,928
- Employer match
- $154,178
- Investment growth
- $1,821,907
- Safe annual withdrawal (4%)
- $100,601
- You (incl. starting balance)
- Employer match
- Growth
How the 401(k) calculator works
Each year your contribution = salary × your rate (capped at the IRS limit) and the employer adds match × your salary up to the match cap. The balance grows by the annual return and contributions are added each year.
Example
Using the default inputs (Current age: 30; Retirement age: 65; Annual salary: $85,000; Your contribution: 10%; Employer match: 50%; …), the calculator returns balance at retirement of $2,515,013. Change any field above to see your own result and charts update instantly.
Good for these goals
Frequently asked questions
What is the 2026 401(k) limit?
The employee elective deferral limit is $24,500 for 2026, plus a catch-up for those 50 and older.
What is a good contribution rate?
Many planners suggest saving 15% of gross income including the employer match.
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Estimates are for educational purposes only and are not financial, tax or legal advice. Results depend on your inputs and simplified assumptions; tax figures reflect 2026 federal rules and may differ from your situation. See our disclaimer. © 2026 FinanzCalc.