401(k) Calculator
Last updated: July 2026
Estimate the future value of a 401(k), including employee contributions and an employer match.
Estimated 401(k) balance
$0.00
- Your annual contribution: $0.00
- Estimated annual employer match: $0.00
- Total contributions over time: $0.00
- Estimated investment growth: $0.00
On this page
Quick summary: Estimate the future value of a 401(k), including employee contributions and an employer match. Enter the requested values, calculate, review the result, and compare more than one realistic scenario before making a decision.
Read the complete guide
What this calculator does
The 401(k) Calculator projects the potential future value of workplace retirement contributions, including employee deposits and any employer contributions represented by the page.
How to use the calculator step by step
Enter current balance, salary or contribution amount, contribution rate, employer match assumptions, expected return, and years until retirement as requested. Confirm whether contribution rates are percentages of salary or fixed dollar amounts.
How the calculation works
The calculation grows the existing balance and adds future contributions over time. Employer matching, when included, increases the amount deposited before investment growth is applied.
Worked example and scenario testing
An employee contributing 6% of a 60,000 salary contributes 3,600 per year before any employer match. If an employer also contributes part of that amount, the total annual retirement deposit is higher.
How to interpret your result
The future balance reflects assumptions about contributions and investment returns. Employer matching can materially improve long-term accumulation because it adds money beyond the employee's own contribution.
Accuracy, assumptions, and limitations
Contribution limits, vesting, changing salary, plan fees, investment performance, taxes, loans, withdrawals, and employer plan rules can alter actual results.
Common mistakes to avoid
Do not assume every employer matches contributions at the same rate or without a cap. Also distinguish employee contribution percentage from the employer's matching formula.
Privacy and browser-based calculations
Only general salary, contribution, and retirement-balance figures are needed. Do not enter employer login credentials or retirement account numbers.