401(k) Calculator
Project 401(k) growth with employee contributions, employer match, and an expected return rate. You can also model salary growth and contribution increases to see how small changes compound over time.
Inputs
$
$
%
Advanced (match, growth)
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%
%
%
Models increasing your contribution percent each year (e.g., 3% increases 10% to 10.3%).
%
Projection
Projected balance
$2,454,322.97
Employee contributions$483,696.65
Employer contributions$145,109.00
Growth$1,800,517.32
Years35
Assumes annual contributions and constant annual return.
Year-by-year
| Year | Age | Salary | Employee | Employer | End balance |
|---|---|---|---|---|---|
| 1 | 31 | $80,000 | $8,000 | $2,400 | $37,878 |
| 2 | 32 | $82,400 | $8,240 | $2,472 | $51,991 |
| 3 | 33 | $84,872 | $8,487 | $2,546 | $67,436 |
| 4 | 34 | $87,418 | $8,742 | $2,623 | $84,317 |
| 5 | 35 | $90,041 | $9,004 | $2,701 | $102,744 |
| 6 | 36 | $92,742 | $9,274 | $2,782 | $122,836 |
| 7 | 37 | $95,524 | $9,552 | $2,866 | $144,722 |
| 8 | 38 | $98,390 | $9,839 | $2,952 | $168,539 |
| 9 | 39 | $101,342 | $10,134 | $3,040 | $194,433 |
| 10 | 40 | $104,382 | $10,438 | $3,131 | $222,563 |
| 11 | 41 | $107,513 | $10,751 | $3,225 | $253,097 |
| 12 | 42 | $110,739 | $11,074 | $3,322 | $286,218 |
| 13 | 43 | $114,061 | $11,406 | $3,422 | $322,119 |
| 14 | 44 | $117,483 | $11,748 | $3,524 | $361,009 |
| 15 | 45 | $121,007 | $12,101 | $3,630 | $403,112 |
| 16 | 46 | $124,637 | $12,464 | $3,739 | $448,667 |
| 17 | 47 | $128,377 | $12,838 | $3,851 | $497,931 |
| 18 | 48 | $132,228 | $13,223 | $3,967 | $551,179 |
| 19 | 49 | $136,195 | $13,619 | $4,086 | $608,706 |
| 20 | 50 | $140,280 | $14,028 | $4,208 | $670,828 |
| 21 | 51 | $144,489 | $14,449 | $4,335 | $737,885 |
| 22 | 52 | $148,824 | $14,882 | $4,465 | $810,238 |
| 23 | 53 | $153,288 | $15,329 | $4,599 | $888,277 |
| 24 | 54 | $157,887 | $15,789 | $4,737 | $972,418 |
| 25 | 55 | $162,624 | $16,262 | $4,879 | $1,063,109 |
| 26 | 56 | $167,502 | $16,750 | $5,025 | $1,160,826 |
| 27 | 57 | $172,527 | $17,253 | $5,176 | $1,266,082 |
| 28 | 58 | $177,703 | $17,770 | $5,331 | $1,379,426 |
| 29 | 59 | $183,034 | $18,303 | $5,491 | $1,501,446 |
| 30 | 60 | $188,525 | $18,853 | $5,656 | $1,632,771 |
| 31 | 61 | $194,181 | $19,418 | $5,825 | $1,774,076 |
| 32 | 62 | $200,006 | $20,001 | $6,000 | $1,926,082 |
| 33 | 63 | $206,007 | $20,601 | $6,180 | $2,089,563 |
| 34 | 64 | $212,187 | $21,219 | $6,366 | $2,265,348 |
| 35 | 65 | $218,552 | $21,855 | $6,557 | $2,454,323 |
How to use it
- Enter current age, retirement age, and current 401(k) balance.
- Enter salary and your contribution rate (or amount).
- Enter employer match assumptions (match rate and cap).
- Review projected balance and contribution breakdown.
Key formulas
- Employer match (common structure)
- Match = salary × min(employeeContributionRate, matchCapRate) × matchRate
FAQ
No. This is a projection model. Contribution limits and catch-up rules change; verify current limits using IRS guidance.
A common structure is “match X% of contributions up to Y% of salary.” For example, 50% match up to 6% means the employer adds 3% if you contribute at least 6%.
No. Returns vary. Use conservative assumptions and compare multiple scenarios.
Some 401(k) plans have fund and admin fees. If you want to model fees, subtract an estimated fee rate from the expected return.
This tool projects account balance growth; tax treatment depends on contribution type and withdrawal rules. Consult a tax professional for tax-specific planning.
Sources
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Disclaimer
Estimates only; not financial or tax advice. Plan rules, vesting, fees, and tax laws vary. Confirm specifics with your plan administrator and a qualified professional.