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About the 401K Calculator
This 401K calculator estimates the value of your retirement account at your target retirement age. It projects your savings growth and shows how much employer matching contributions add over time. The output is a projected balance along with your total contributions and match amounts.
The calculation uses the standard future value formula FV = P x ((1+r)^n - 1) / r, which compounds periodic contributions at an expected annual return. Your current balance grows over the same period. Inputs include your age, retirement age, balance, salary, contribution percentage, employer match rate, and match limit. Tip: contribute at least up to the full match threshold each year. For major retirement decisions, consider a financial professional.
- Enter your current age, planned retirement age, and account balance.
- Add your salary, contribution percentage, and employer match details.
- Set an expected annual return and review your projected retirement balance.