Calculyn

401(k) Calculator

Project your 401(k) balance at retirement, including your employer match.

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Results update as you type.

Balance at age 65

$1,617,833
Your contributions
$279,969
Employer match
$139,985
Investment growth
$1,182,879
  • Starting1%
  • You17%
  • Employer9%
  • Growth73%
Balance at age 65$1,617,833

Projections are hypothetical and not investment advice. Real returns vary year to year and can be negative.

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How it works

Each year you and your employer add a share of your salary, and the whole balance grows at the return you choose. The match only applies up to the amount you contribute.

Formula

Balanceₙ₊₁ = Balanceₙ × (1 + r) + salary × (your % + match %)

Example

Age 30 to 65, $70,000 salary, 8% + 4% match, $15,000 start, 7% return, 2% raises: about $1.6 million.

Assumptions & limitations

  • Contributions and match added once per year.
  • Constant return and raise rate.
  • Ignores IRS contribution limits, fees and taxes.

Frequently asked questions

Does this include contribution limits?

No. The IRS caps yearly employee contributions; check the current limit if you contribute a lot.

Is the result in today's dollars?

No, it's in future dollars. Use the inflation calculator to see today's buying power.