401(k) Calculator
Project your 401(k) retirement savings, calculate employer matching contributions, analyze tax impacts, and estimate your retirement income with our comprehensive planning tool.
Employer match • Tax analysis • Retirement income • Contribution projections • 100% Free📊 Your 401(k) Details
Enter your personal information, contribution details, and employer match to project your retirement savings.
📈 Your 401(k) Projection
See your projected balance at retirement, employer match value, and estimated retirement income.
💰 With Employer Match
📊 Without Employer Match
Based on 7% return, 3% inflation, retiring at age 65.
401(k) Visualized
See your balance growth over time and understand the breakdown of your retirement savings sources.
📈 Balance Growth Over Time
🥧 Savings Breakdown at Retirement
401(k) by the Numbers
See how different contribution rates, employer matches, and returns affect your retirement balance.
| Contribution Rate | Employer Match | Expected Return | Balance at 65 | Monthly Income |
|---|---|---|---|---|
| 10% | 50% up to 6% | 7% | ~$1,420,000 | ~$4,730 |
| 15% | 50% up to 6% | 7% | ~$2,030,000 | ~$6,770 |
| 10% | 100% up to 4% | 7% | ~$1,390,000 | ~$4,630 |
| 10% | 50% up to 6% | 9% | ~$2,110,000 | ~$7,030 |
| 10% | No Match | 7% | ~$1,100,000 | ~$3,670 |
Assumes $75,000 starting salary, 3% annual raises, 3% inflation, and 30 years until retirement. Results are estimates.
401(k) Insights
Key concepts to understand about 401(k) plans and retirement savings.
Employer Match Is Free Money
An employer match is essentially free money added to your retirement account. If your employer matches 50% up to 6% of your salary, it's like getting an automatic 3% raise toward your retirement.
The Power of Compound Growth
401(k) contributions grow tax-deferred, meaning your money compounds faster. A 7% average return can double your balance approximately every 10 years, making early contributions extremely valuable.
Tax Advantages
Traditional 401(k) contributions reduce your taxable income in the year you contribute. You only pay taxes when you withdraw in retirement, potentially at a lower tax rate.
Contribution Limits
For 2025, the annual 401(k) contribution limit is $23,500 for employees under 50, and $31,000 for those 50 and older (including catch-up). Maximizing your contributions can significantly boost your retirement savings.
Frequently Asked Questions
Common questions about 401(k) plans and how this calculator works.
