A 401(k) is a USA employer-sponsored retirement plan. You contribute pre-tax (traditional) or after-tax (Roth); many employers match part of your contribution. Growth is tax-deferred until withdrawal.

How much should I contribute to 401k?

At least enough to get full employer match (free money). Many advisors suggest 15–20% of income for retirement. Use this calculator to see balance at retirement for different contribution levels.

What is employer match?

Many employers match a portion of your 401(k) contribution (e.g. 50% of first 6% of salary). Enter your match in this calculator to see total balance at retirement.

401k Calculator

Free 401k calculator. Get instant results — no signup, no account. Plan and compare with confidence.

Use the 401k Calculator below.

Calculate your 401(k) balance at retirement. Enter current balance, contribution, employer match, and expected return. Free 401k calculator for USA.

How to use 401k Calculator

Enter current 401k
Input current balance and annual contribution.
Enter match and return
Input employer match and expected annual return.
View balance at retirement
See projected balance at retirement age.

Features

Instant results — no waiting or signup.
Free to use — no hidden fees.
No login or account required.
Works on all devices — desktop, tablet, and mobile.
Your data stays private — we do not store your inputs.

Why use this calculator

Plan your finances with accurate estimates.
Compare scenarios in seconds.
Make informed decisions before you borrow or invest.

Supported browsers and devices

All modern browsers (Chrome, Firefox, Safari, Edge).
Mobile-friendly — use on phone or tablet.
No app download — runs in your browser.

Frequently asked questions

Complete guide to 401k Calculator

What is a 401(k) calculator?

A 401(k) calculator projects the growth of your 401(k) balance based on current balance, contribution amount, employer match, expected return, and years to retirement. It helps you see how much you might have at retirement and whether increasing contributions makes a meaningful difference. Employer match is free money — try to contribute at least enough to get the full match.

401(k) basics

Contributions are often tax-deferred (traditional) or tax-free in retirement (Roth if offered).
Employer match: Common formulas are 50% or 100% of your contribution up to a cap.
Contribution limits: Set by the IRS each year; catch-up contributions allowed for 50+.
Withdraw before 59½ may incur taxes and penalties except in certain cases.

Related calculators

Retirement Calculator
Free retirement calculator. How much do I need to retire? USA & worldwide.
Calculate →
IRA Calculator
Free IRA calculator USA. Calculate IRA growth, balance at retirement. Traditional & Roth.
Calculate →
Compound Interest Calculator
Free compound interest calculator. Calculate compound interest on investments and savings. See how your money grows over time.
Calculate →

Disclaimer

Our financial calculators are for informational and educational purposes only. Results are estimates based on the inputs you provide and standard formulas. They are not financial, tax, or legal advice. We do not store or share the numbers you enter.