401(k) Calculator

Project a 401(k) balance from contributions, employer match, and annual return.

Current balance

Yearly employee deferral

Employer match

Salary

Years

Annual return

Salary growth

Calculated Result

908,370

Formula: Yearly: grow at r, then add deferral + match

Next steps

About this calculator

Enter current balance, yearly employee deferral, match percent of salary, return, and years. Match is capped at the deferral.

FormulaFV = PMT × ((1+r)^n − 1) / r + balance(1+r)^n

Each year: balance grows at r, then employee + match are added. Salary can rise each year.

Determine your target retirement nest egg, years to financial freedom, and monthly required savings.

Estimate investment growth with compound frequency, initial principal, and regular monthly contributions.

Compare Traditional and Roth IRA future values after tax.

Estimate a required minimum distribution from the Uniform Lifetime Table.