Financial Tools
401(k) Calculator
What a 401(k) grows to with an employer match, a salary that rises and a return you set. It also shows the match you give up by contributing below the cap.
You
Annual Salary
Current 401(k) Balance
Your Contribution
Years Until Retirement
Your Employer
Match Rate (% of what you put in)
Match Applies Up To (% of your pay)
Assumptions
Annual Return (percent, compounded monthly)
Annual Raise (%)
Annual Contribution Limit (0 to ignore. The IRS sets this each year, enter the current figure)
Values shown are examples. The contribution limit is left to you on purpose: it changes every year and a stale number here would be worse than none.
At Retirement
| Projected Balance | $0 |
| Your Contributions | $0 |
| Employer Match | $0 |
| Investment Growth | $0 |
| You Put In, First Year | $0 |
| Employer Adds, First Year | $0 |
| Match Left Unclaimed | $0 |
For illustration only, not financial advice. Results are estimates based on the numbers you enter and do not constitute an offer, rate quote or approval.
Questions people ask
How does the page project my 401(k) balance?
It works month by month: each year it raises your salary by the annual raise, takes your contribution percentage of that salary plus the employer match, adds both in monthly steps, and grows the balance at your annual return compounded monthly.
How is the employer match calculated?
The match is the match rate times your contribution, counted only up to the cap percentage of your pay. Contributions above the cap earn no match.
What is Match Left Unclaimed?
If you contribute less than the cap, it adds up the match you would have received by contributing up to the cap, over all the years in the projection.
Why is the contribution limit left blank?
The IRS sets the limit each year, so the page leaves it to you. Enter the current figure to cap your own contribution, or leave it at 0 to ignore it.
