401(k) Calculator
Last updated: October 15, 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: $0.00
On this page
Quick summary: Estimate the future value of a 401(k), including employee contributions and an employer match.
Read the method, example and limitations
Updated reference sections in this guide are in English.
Guide language: English. Updated October 15, 2026.
What this calculator estimates
401(k) Calculator
Inputs and units
Use the units shown for Annual salary ($), Employee contribution (%), Employer match (%), Match up to salary (%), Current 401(k) balance ($), Years to invest, Expected annual return (%). Required fields cannot be blank. Use zero only where that field and the model allow it. Select Calculate after changing a scenario.
Method and assumptions
Employee contribution equals salary times the employee percentage. Employer match equals the match percentage times the smaller of the employee contribution and the salary match-limit amount. Annual contributions are divided into deposits at each month end. Project and sum the same rounded number of months.
Worked example
For salary 12,000, 10% employee contribution, no match and zero return, a 0.1-year horizon rounds to one month and contributes 100.
Limitations
This projection does not enforce contribution caps, catch-up rules, eligibility or vesting. Employee and match-limit percentages are 0% to 100%; the match percentage is an employer assumption. Return must exceed -100%.