401(k) Calculator
Estimate your 401(k) balance at retirement, including an employer match.
Estimated balance at retirement
Total contributions (you and employer)
Investment growth
How it works
Each year you and your employer add a share of your salary. The calculator adds that to your balance every month and grows it at the return you enter. Your salary stays the same, so results may be higher if your pay rises.
Example: on a $60,000 salary, 6% from you plus a 3% match is $450 a month. With $10,000 saved and a 7% return for 30 years, the balance reaches about $630,000. The IRS sets yearly contribution limits, so check IRS.gov.
Frequently asked questions
What is an employer match?
It is money your employer adds when you contribute, often up to a set percent of your pay.
Are returns guaranteed?
No. Investment returns change and can be negative.
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Last updated October 2026. For information only, not financial advice.