401(k) Calculator
Project your 401(k) retirement savings balance. Features employer matching, annual salary growth, IRS contribution limits, and a 4-segment balance breakdown.
401(k) Savings Parameters
2026 IRS employee contribution limit: $24,500
Accumulated over 35 years (Age 30 → 65)
This calculator provides estimates for informational and educational purposes only and does not constitute financial or retirement planning advice. Actual 401(k) performance depends on market volatility, plan fee structures, employer vesting rules, and regulatory IRS updates.
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How to Use 401(k) Calculator
401(k) Calculator Formula / How It Works
The calculator models year-by-year accumulation using beginning-of-year contributions. Employee contributions are capped at annual IRS limits while employer matching contributions and compound investment growth are applied annually.
For example, starting at age 30 with ,000, earning ,000 with a 6% contribution and 100% match up to 3%, 7% annual return, and 3% annual salary growth yields an estimated ,242,536 at age 65.
Frequently Asked Questions
Employer matching is calculated from your entered match percentage up to a maximum percentage of your salary. For example, 100% match up to 3% of salary means the employer matches 100% of your contributions up to 3% of your compensation.
For the 2026 tax year, the standard IRS employee elective deferral limit is ,500. Our calculator automatically caps employee contributions at this limit.
The 4-segment breakdown separates your total projected balance into: (1) Starting Balance, (2) Your Contributions, (3) Employer Match, and (4) Investment Growth.
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