401k Growth Calculator

Project your 401(k) retirement savings growth. Calculate future value with employer matching, contributions, and compound returns.

A 401(k) is one of the most powerful retirement savings tools in the United States, offering tax advantages and often employer matching contributions. This calculator projects how your 401(k) will grow based on your contributions and expected returns.

Calculator

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Projected Balance
$0.00
Your Annual Contribution
$0.00
Employer Annual Match
$0.00
Total Contributions
$0.00
Investment Growth
$0.00

Common use cases

  • Retirement planning
  • Maximizing employer match
  • Setting contribution levels
  • Projecting retirement wealth

How to use

  1. Enter your current 401(k) balance
  2. Input your annual salary
  3. Set your contribution percentage
  4. Enter your employer's match rate and limit
  5. Specify years until retirement
  6. Set expected investment returns
  7. View your projected retirement balance

FAQ

What is 401(k) employer matching?

Many employers match a portion of your contributions, such as 50% of your contribution up to 6% of salary. This is essentially free money.

What are the 401(k) contribution limits?

For 2024, the employee contribution limit is $23,000, or $30,500 if you're 50 or older (catch-up contributions).

Should I max out my 401(k)?

At minimum, contribute enough to get the full employer match. Maxing out provides maximum tax-advantaged growth.

This calculator provides illustrative estimates for planning purposes only and does not constitute financial, tax, or legal advice.