401(k) Calculator
Project your 401(k) balance at retirement with employer match and compound growth.
Projected Balance at Retirement
$982,392
in 30 years
Your Contributions
$240,000
$8,000/yr · $667/mo
Employer Match
$72,000
$2,400/yr · $200/mo
Investment Growth
$670,392
at 7% annual return
Before-tax contributions. Consult a financial advisor before making investment decisions.
Year-by-Year Balance
| Year | Projected Balance | Your Total | Match Total |
|---|---|---|---|
| Year 5 | $59,808 | $40,000 | $12,000 |
| Year 10 | $143,691 | $80,000 | $24,000 |
| Year 15 | $261,342 | $120,000 | $36,000 |
| Year 20 | $426,353 | $160,000 | $48,000 |
| Year 25 | $657,790 | $200,000 | $60,000 |
| Year 30 | $982,392 | $240,000 | $72,000 |
About the 401(k) Calculator
This 401(k) calculator estimates your retirement balance using compound interest applied to both your current balance and your ongoing contributions. It factors in your annual salary, your personal contribution percentage, and your employer's matching contribution (up to a specified percentage of your salary). The projected balance assumes a fixed annual rate of return and that contributions are made consistently throughout your working years. Use it to model different scenarios — such as increasing your contribution rate or starting earlier — to see how small changes compound significantly over time.
Private & free — this tool runs entirely in your browser.