🏢 401k Calculator

Calculate 401k growth with employer match and maximize your retirement savings

Your 401k Details

Your current 401k/403b balance today. If starting fresh, enter 0.
Your gross annual salary before taxes.
% of salary you contribute. Always contribute at least enough to get the full employer match.
2025 limit: $23,500/year ($31,000 if 50+)
The % your employer matches. This is free money — always maximize it.
Typical: 3-6% of salary
Max salary % your employer will match. Enter 6 if they match up to 6% of salary.
A diversified stock index fund historically returns ~7% real.
More time = dramatically more growth due to compounding.
Expected yearly raises. 2–3% is typical (roughly inflation).
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Your results are shown on the rightbelow.
Adjust any inputs to see how they change your outcome.

Your 401k Projection

Final 401k Balance
$0
Your Contributions
$0
Money you contributed
💰 Employer Match (Free Money!)
$0
Employer matching contributions
Investment Growth
$0
Returns on your investments
First Year Contribution
$0
You + Employer match