401(k) Retirement Savings Calculator
A traditional 401(k) can be one of the best tools for retirement planning. Estimate your final balance using salary, contribution rate, employer match, and long-term return assumptions.
401(k) Retirement Calculator
Assumes annual compounding, yearly aggregated contributions, employee contribution limits based on selected tax year, and no contributions in retirement year.
Results
Enter inputs and click Calculate to see your projection and chart.
401(k) calculator definitions
Annual salary: Enter your pre-tax salary from your employer only. Example: if salary is $40,000, this calculator uses that to compute employee contribution percentage and employer match.
Contribution percentage: If salary is $100,000 and you contribute 10%, employee contribution is $10,000 before IRS caps.
IRS contribution limits: For 2026: employee max is $24,500; age 50+ catch-up is $8,000; ages 60-63 catch-up is $11,250. For 2025: employee max is $23,500; age 50+ catch-up is $7,500; ages 60-63 catch-up is $11,250.
Employer match: Example: salary $100,000, employee contributes 10%, employer matches 50% up to 6% of salary. Employee gives $10,000, employer adds $3,000 (50% of $6,000), total yearly deposit $13,000.
Annual salary increase: If salary growth is 3%, each year’s salary and percentage-based contributions increase by 3%.
Retirement age rule: If you retire at 65, the last contribution year is age 64.
Returns: This tool uses your annual return assumption and applies monthly deposits. Example: at 7% long-run return, actual market results can still vary significantly year to year.
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