Estimate retirement savings growth and future value of your 401(k) contributions.
Enter values and click Calculate to see results.
Estimate retirement savings growth and future value of your 401(k) contributions.
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Read full articleFollow these steps to use the 401(k) Retirement Calculator:
Enter the current age in the provided input field (e.g., 30).
Enter the retirement age in the provided input field (e.g., 65).
Enter the current 401(k) balance in the provided input field (e.g., 25000).
Enter the annual salary in the provided input field (e.g., 75000).
Enter the your contribution (%) in the provided input field (e.g., 10).
Enter the employer match (%) in the provided input field (e.g., 5).
Enter the expected annual return (%) in the provided input field (e.g., 7).
Enter the annual salary increase (%) in the provided input field (e.g., 3).
Click the "Calculate" button to compute your results.
Review the detailed results, including charts and breakdowns.
Use the "Reset" button to clear all fields and start a new calculation.
Try the "Load Example" button to see a sample calculation with predefined values.
Here is a practical example to help you understand how the 401(k) Retirement Calculator works.
Enter these values into the calculator (or click “Load Example Values”) to see how the formula produces accurate results.
A 401(k) is an employer-sponsored retirement savings plan that allows employees to contribute pre-tax or Roth dollars from their salary.
Employer matching is when your employer contributes additional money to your 401(k) based on your contributions, typically up to a certain percentage of your salary.
The 4% rule suggests withdrawing 4% of your retirement savings annually to provide income while preserving principal for 30 years.
Traditional 401(k) contributions are pre-tax (taxed on withdrawal). Roth 401(k) contributions are post-tax (tax-free withdrawals).
For 2025, the employee contribution limit is $23,500 ($31,000 for age 50+ including catch-up).
You can withdraw penalty-free after age 59. Additionally, some plans allow hardship withdrawals or loans.
You can roll it into your new employer's plan, roll into an IRA, leave it with your former employer, or cash out (subject to taxes and penalties).
At minimum, contribute enough to get the full employer match. Aim for 10-15% of your income including the match for adequate retirement savings.