FREE CALCULATOR
401(k) Calculator
Estimate potential 401(k) growth using salary contributions, an employer match and an assumed return.
Estimated balance$1.1424957078938957e+76
Annual contribution$9000.00
Estimated growth$1.1424957078938957e+76
This simplified model assumes the employer matches up to the percentage entered. Actual 401(k) plans have limits, vesting rules and plan-specific matching formulas.
CALCULATOR GUIDE
About the 401(k) Calculator
Project potential 401(k) growth using current savings, contributions, employer match and an assumed return.
How to use this calculator
- Enter the values requested by the calculator and check their units.
- Choose assumptions that match the scenario you want to estimate.
- Review the result and change one input at a time to compare scenarios.
- Verify important decisions against the relevant agreement, institution or official guidance.
How the calculation works
The model grows the balance and contributions using an assumed return; investment gains are not guaranteed.
Example
Compare two contribution rates while holding salary, match and time constant.
Things to keep in mind
- Check current contribution limits, employer match terms and vesting rules.
- Fees, taxes and investment choices affect results.
- The result is an estimate based on the inputs and assumptions provided.
- Check applicable terms and official guidance before making financial, employment or academic decisions.
Frequently asked questions
Does every employer offer a match?
No. Matching contributions and vesting rules depend on the employer plan.
Are results guaranteed or official?
No. The tool provides an estimate or arithmetic result and may not include every real-world rule, fee or policy.
Can I compare scenarios?
Yes. Change one input at a time to see how it affects the result.