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401k Calculator

See how your 401k grows with employer matching, compound returns, and annual contribution increases. Find out what you'll have at retirement.

Your 401k Details
years old
years old
$
$
% of salary
1%23% (max)
% of salary
%
3%12%
%
401k Projection
$0
Projected 401k Balance at Retirement
$0
Your Contributions
$0
Employer Match
$0
Investment Gains
$0
Monthly Income (4% rule)
2026 401k contribution limit: $23,500/year ($31,000 if age 50+). Catch-up contributions of $7,500 available for those 50 and older.
Balance Growth Over Time
Your contributions
Employer match
Investment gains
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How to use the 401k calculator

1

Enter your details

Input your age, salary, current 401k balance, and your contribution percentage.

2

Add employer match

Enter your employer match percentage. This is free money — always contribute at least enough to get the full match.

3

See your projection

See your projected balance at retirement, broken down by your contributions, employer match, and investment gains.

Frequently asked questions

What is employer matching?
Employer matching is when your company contributes money to your 401k based on how much you contribute. A common match is 100% of your contribution up to 3% of your salary. Always contribute at least enough to get the full match — it is essentially free money and an instant 100% return.
What is the 401k contribution limit for 2026?
For 2026, you can contribute up to $23,500 to your 401k. If you are 50 or older, you can make additional catch-up contributions of $7,500 for a total of $31,000. Employer contributions do not count toward this limit.
What return rate should I use?
A diversified stock portfolio has historically returned about 7% annually after inflation. Use 6-8% for a reasonable estimate. More conservative portfolios with bonds may return 4-5%.
Is this calculator free?
Yes — completely free with no account or signup required.