US demand
401(k) Calculator
Project long-term 401(k) balance from current savings, salary deferrals, employer match, and annual return assumptions.
Search lane
Major US retirement traffic
Interactive calculator
Project long-term 401(k) growth
Estimate retirement balance from current savings, salary-based employee contributions, employer match, annual return, and salary growth.
Visual projection
Retirement balance trajectory
The year-by-year projection shows how employee deposits, employer match, and long-term compounding stack toward the final balance.
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Results
Projected balance
$2,591,036
Employee contribution
$513,928
Employer contribution
$154,178
Investment growth
$1,897,930
How to use it
- 01Enter your current age, target retirement age, current balance, and annual salary.
- 02Set employee contribution rate, employer match rate, and employer match cap.
- 03Add expected annual return and salary growth to project the retirement balance.
Result guide
- Projected balance combines current savings, employee deposits, employer match, and growth over time.
- Employer contribution is shown separately because plan generosity can change outcomes materially.
- This version is a planning model and does not enforce annual IRS contribution limits or catch-up rules.
Why this page matters
401(k) searches are high-value because retirement planning usually needs more than a generic compound-interest page. Users want salary-based contributions and employer match in the same model.
Keeping the match cap and match percentage editable makes the page practical across different benefit plans without pretending every employer uses the same policy.
Frequently asked questions
Does this calculator use current IRS contribution limits?
No. It is a flexible planning model, so contribution levels are driven by your inputs rather than hardcoded annual limits.
Why is employer match split into rate and cap?
Because many plans match only a portion of contributions and only up to a certain salary percentage.
Is the investment return guaranteed?
No. The annual return is only an assumption for projection, not a promised outcome.
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