401(k) Calculator
How to Use This 401(k) Calculator
This free 401(k) calculator helps you estimate how much you can accumulate for retirement based on your income, contributions, employer match, and expected investment returns. It’s a great tool for visualizing how consistent saving and compounding can grow your retirement nest egg over time.
To get started, enter your current age, annual income, starting balance, monthly contribution percentage, and employer match details. You can also input your expected rate of return and any 401(k) account fees to get a more accurate projection.
Once you click “Calculate,” the tool provides a full summary including:
- Final 401(k) Balance
- Total Employee Contributions
- Total Employer Match
- Investment Returns
In this example, starting at age 21 with a $50,000 balance, contributing 10% of a $100,000 salary, and receiving a 3% employer match, you could retire at 65 with over $5.6 million—thanks largely to over $4.7 million in investment growth.
Below the results, you’ll see a dynamic chart breaking down the total value of your 401(k) over time. It visually separates contributions, employer match, and investment growth, so you can clearly see the impact of compound returns year after year.
Whether you’re just starting out or fine-tuning your retirement strategy, this 401(k) calculator gives you a powerful view of your financial future.
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