Free 401(k) Calculator
Project your 401(k) balance at retirement, including your employer match and compound growth.
How to use this tool
Enter your ages
Add your current age and target retirement age.
Add your balance and salary
Enter your current 401(k) balance and annual salary.
Set contributions
Enter your contribution percentage and your employer's match.
Set growth assumptions
Choose an expected return and salary growth rate.
See your projection
Review contributions, match, growth, and projected retirement balance.
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Book Your Free Demo →Frequently Asked Questions
How does an employer 401(k) match work?
Employers often match a percentage of your salary when you contribute, e.g., matching 3% if you contribute at least that much. It's effectively free retirement money.
What return should I assume?
Long-run diversified stock-and-bond portfolios have historically averaged around 6–8% nominally, but returns vary and aren't guaranteed.
What is the 2026 contribution limit?
The IRS sets annual 401(k) employee deferral limits each year (with catch-up contributions for those 50+). Check the current IRS limit before maxing out.
Is this calculator free?
Yes, free and no signup required.