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Project your 401(k) balance at retirement with employer match, salary growth, and the 2026 IRS contribution limit ($24,500).
Balance at Age 65
$2,549,782
Over 35 years
You Contributed
$520,956
Employer Matched
$156,287
Investment Growth
$1,857,539
Starting Balance
$15,000
Free money check
Your employer matches 50% up to 6% of salary. Make sure you're contributing at least 6% to capture the full match — that's roughly $2,550/yr in free money.
401(k) Retirement Calculator projects your 401(k) balance at retirement using employer match, salary growth, annual contribution limits (2026: $24,500), and month-by-month compound growth.
401(k) Retirement Calculator is a high-performance utility designed to help users streamline their workflow. Built with modern web technologies, it ensures fast processing times and high-quality outputs directly in your browser.
Projections use month-by-month compounding: balance × (1 + annual_rate/12) + contribution. Employer match is capped at the stated match limit. Annual contributions are capped at the 2026 limit ($24,500; $32,000 if 50+). Salary grows at the input rate annually. All projections are illustrative and not financial advice.
The 2026 employee deferral limit is $24,500. Workers age 50+ can add a $7,500 catch-up contribution ($32,000 total). These limits are auto-applied in the calculator.
Historically the S&P 500 has averaged ~10% nominal / ~7% inflation-adjusted. A conservative model is 6%; aggressive is 9–10%. Use 7% for a balanced projection.
Absolutely. Employer match is a guaranteed 100% return on those dollars. Always contribute at least enough to capture the full match before redirecting savings elsewhere.
Traditional reduces today's tax bill; Roth grows tax-free. If you expect to be in a higher tax bracket in retirement, Roth wins. If lower, Traditional wins.
Estimate your take-home pay after federal, FICA, state taxes, 401(k), and health premiums.
Add up your assets and liabilities. Compare to US median by age.
Calculate how money grows with compound interest — lump sum plus regular contributions, any compounding frequency.