401K Calculator

The 401k calculator determines the 401k balance at retirement including employee contributions, employer match, and investment returns.

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% per month
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Result:

Balance at :
Total Contributions:
Employee Contributions:
Employer Match:
Investment Returns:

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How to Use the 401K Calculator?

  1. First, input your current age and what age you want to retire at.
  2. Enter your annual salary and current 401(k) balance.
  3. Now input the percentage of salary that you want to contribute each month.
  4. Enter the employer match and its limit in terms of percentage. Usually, the employer match ranges from 50% to 100% of contributions.
  5. Input the expected rate of return per annum.
  6. Lastly, enter the percentage of salary increase and inflation rate per year. Both fields are optional and you can leave it empty if not needed.
  7. After entering all the values, press the 'Calculate' button.
  8. Finally, the tool returns the estimated 401(k) balance at your retirement age.
  9. In addition, it shows the amount of employee contributions, employer match, and investment returns with the 401(k) growth schedule.
  10. For the new 401(k) calculations, press the 'Reset' button.