401(k) Calculator
Estimate your 401(k) balance at retirement with employer matching contributions. See how increasing your contribution rate and catching up can boost your nest egg.
2024 limit: $23,000 (or $30,500 if 50+)
Historical S&P 500: ~10% (7% inflation-adjusted)
Your Retirement Projection
Balance at 65
$2,213,821.33
Years to Retirement
$35.00
35 years
Est. Monthly Income
$7,379.40
4% rule
Free money! Your employer contributes ~$2,250/year in matching.
Investment Growth Over Time
Shows the growth of your investment over time, split between contributions and interest earned
Projection by Age
| Age | Your Contribution | Employer Match | Growth | Balance |
|---|---|---|---|---|
| 35 | $10,000 | $2,532 | $7,277 | $111,239 |
| 40 | $10,000 | $2,936 | $15,343 | $234,526 |
| 45 | $10,000 | $3,403 | $26,832 | $410,145 |
| 50 | $10,000 | $3,945 | $43,151 | $659,595 |
| 55 | $10,000 | $4,574 | $66,277 | $1,013,095 |
| 60 | $10,000 | $5,000 | $98,956 | $1,512,616 |
| 65 | $10,000 | $5,000 | $144,829 | $2,213,821 |
Estimated Retirement Income
Using the 4% rule (withdraw 4% of savings annually):
Monthly
$7,379
Annual
$88,553
% of Current Salary
118%
401k Tips
- •Always get the full employer match - it's free money
- •Aim to save 15% of income (including employer match) for retirement
- •Consider a Roth 401k if you expect to be in a higher tax bracket in retirement
- •Increase contributions by 1% each year until you hit the max
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How to Use This 401k Calculator
This free 401(k) calculator helps you make informed financial decisions. Simply enter your values above and see your results instantly - no signup required.
Why Use Our Calculator?
- •Instant Results: See calculations update in real-time as you adjust values
- •Visual Charts: Understand your finances with interactive visualizations
- •Mobile Friendly: Works perfectly on any device
- •100% Free: No hidden fees or signup required