401K Calculator
How it works: Enter your age, current 401(k) balance, annual contributions, employer match, expected returns, and salary increases to project your retirement savings. The calculator accounts for compound growth and employer matching.
Overview
Maximize your retirement savings with our 401(k) Calculator. Enter your current age, retirement age, current balance, annual contributions, employer match percentage, expected returns, and salary increases to see your projected 401(k) balance at retirement. Perfect for retirement planning, evaluating contribution strategies, maximizing employer match benefits, or deciding between Roth and Traditional 401(k). The calculator shows employee contributions, employer match (free money!), and investment growth separately. All calculations happen instantly in your browser with no data storage. Whether you're just starting your career or fine-tuning your retirement strategy, this tool helps you understand the power of consistent saving and employer matching.
About
About 401(k) Calculator
Calculate 401(k) retirement savings with employer matching, salary increases, and compound growth. See how contributions and matching build wealth over time.
Features:
- Calculate total 401(k) balance at retirement
- Include employer match contributions
- Account for annual salary increases
- See breakdown of contributions vs. growth
- Plan for different retirement ages
- 100% client-side - your data stays private
FAQ
How much should I contribute to my 401(k)?
At minimum, contribute enough to get the full employer match - it's free money! Ideally, aim for 15% of your salary including the match.
What is employer matching?
Many employers match your 401(k) contributions up to a certain percentage (e.g., 50% of the first 6% you contribute). This is essentially free money for your retirement.
What's a realistic return rate?
Historical stock market returns average 10% annually, but conservative 401(k) planning uses 6-8% to account for diversification and market volatility.
Should I do Roth or Traditional 401(k)?
Traditional 401(k) gives tax deductions now; Roth 401(k) gives tax-free withdrawals in retirement. Consider your current vs. expected future tax bracket.
Related Tools
Overview
Maximize your retirement savings with our 401(k) Calculator. Enter your current age, retirement age, current 401(k) balance, annual contributions, employer match percentage, expected returns, and salary increases to see your projected 401(k) balance at retirement. Perfect for retirement planning, evaluating contribution strategies, maximizing employer match benefits, or deciding between Roth and Traditional 401(k). The calculator shows employee contributions, employer match (free money!), and investment growth separately. All calculations happen instantly in your browser with no data storage. Whether you're just starting your career or fine-tuning your retirement strategy, this tool helps you understand the power of consistent saving and employer matching.
About
About 401(k) Calculator
Calculate 401(k) retirement savings with employer matching, salary increases, and compound growth. See how contributions and matching build wealth over time.
Features:
- Calculate total 401(k) balance at retirement
- Include employer match contributions
- Account for annual salary increases
- See breakdown of contributions vs. growth
- Plan for different retirement ages
- 100% client-side - your data stays private
FAQ
How much should I contribute to my 401(k)?
At minimum, contribute enough to get the full employer match - it's free money! Ideally, aim for 15% of your salary including the match.
What is employer matching?
Many employers match your 401(k) contributions up to a certain percentage (e.g., 50% of the first 6% you contribute). This is essentially free money for your retirement.
What's a realistic return rate?
Historical stock market returns average 10% annually, but conservative 401(k) planning uses 6-8% to account for diversification and market volatility.
Should I do Roth or Traditional 401(k)?
Traditional 401(k) gives tax deductions now; Roth 401(k) gives tax-free withdrawals in retirement. Consider your current vs. expected future tax bracket.