401(k) Calculator
Your 401(k) Details
Common: 50% match on first 6% of salary
Retirement Projection
Retirement Balance (?)
Total 401(k) balance at retirement
$1,234,567
Future value at retirement
Annual Contributions (?)
Total annual contributions (you + employer)
$9,000
This year's total contributions
Total Contributions (?)
Total contributed over entire career
$450,000
Principal invested over time
Investment Growth (?)
Total investment earnings from compound interest
$784,567
Earnings from investments
Employer Match Total (?)
Total contributed by employer over time
$112,500
Free money from employer!
Monthly Retirement Income (?)
Estimated monthly income using 4% withdrawal rule
$4,115
At 4% annual withdrawal rate
Balance Growth Over Time
Contribution Breakdown
Your Contributions
$337,500
Total over career
Employer Match
$112,500
Free money from employer
Investment Growth
$784,567
From compound interest
Total Retirement Balance
$1,234,567
At retirement age
Yearly Growth Projection
| Year | Age | Salary | Your Contribution | Employer Match | Total Contribution | Account Balance |
|---|
About This 401(k) Calculator
This 401(k) calculator helps you project your retirement savings growth, taking into account:
- Employer Matching: Calculates free money from your employer's match program
- Compound Interest: Projects growth based on your expected annual return
- Salary Increases: Accounts for expected salary growth over time
- Inflation Adjustment: Shows both nominal and real (inflation-adjusted) values
- Contribution Limits: Automatically accounts for annual contribution limits
Key 401(k) Tips:
- Always contribute enough to get the full employer match (it's free money!)
- Consider increasing contributions by 1% each year until you reach the maximum
- Take advantage of catch-up contributions if you're 50 or older
- Regularly review and rebalance your investment allocations
- Avoid early withdrawals to prevent penalties and lost growth
Note: This calculator provides estimates only. Actual investment returns may vary. Past performance does not guarantee future results. Always consult with a qualified financial advisor for personalized retirement planning.