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401(k) Calculator
Project 401(k) growth with employer match and contribution limits.
Your 401(k) today
Current balance, age, and target retirement age.
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Contributions & match
Your deferral rate and employer match formula.
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What if?
Compare contribution strategies
Toggle a preset to compare against your baseline deferrals and employer match.
401(k) Projection
33 years to retirement at 7.00% return
$1,863,222 at age 65
Includes $156,972 in employer match and $1,350,307 in investment growth.
Summary$1,863,222
$1,863,222
Balance at Retirement
$313,944
Your Contributions
$156,972
Employer Match
$1,350,307
Investment Growth
Year-by-Year
| Age | Salary | You | Match | Balance |
|---|---|---|---|---|
| 33 | $95,000 | $5,700 | $2,850 | $53,761 |
| 34 | $97,850 | $5,871 | $2,936 | $66,610 |
| 35 | $100,786 | $6,047 | $3,024 | $80,631 |
| 36 | $103,809 | $6,229 | $3,114 | $95,914 |
| 37 | $106,923 | $6,415 | $3,208 | $112,556 |
| 38 | $110,131 | $6,608 | $3,304 | $130,661 |
| 39 | $113,435 | $6,806 | $3,403 | $150,339 |
| 40 | $116,838 | $7,010 | $3,505 | $171,712 |
| 41 | $120,343 | $7,221 | $3,610 | $194,906 |
| 42 | $123,953 | $7,437 | $3,719 | $220,059 |
| 43 | $127,672 | $7,660 | $3,830 | $247,317 |
| 44 | $131,502 | $7,890 | $3,945 | $276,840 |
| 45 | $135,447 | $8,127 | $4,063 | $308,795 |
| 46 | $139,511 | $8,371 | $4,185 | $343,365 |
| 47 | $143,696 | $8,622 | $4,311 | $380,743 |
| 48 | $148,007 | $8,880 | $4,440 | $421,138 |
| 49 | $152,447 | $9,147 | $4,573 | $464,772 |
| 50 | $157,021 | $9,421 | $4,711 | $511,886 |
| 51 | $161,731 | $9,704 | $4,852 | $562,735 |
| 52 | $166,583 | $9,995 | $4,997 | $617,594 |
| 53 | $171,581 | $10,295 | $5,147 | $676,757 |
| 54 | $176,728 | $10,604 | $5,302 | $740,540 |
| 55 | $182,030 | $10,922 | $5,461 | $809,280 |
| 56 | $187,491 | $11,249 | $5,625 | $883,338 |
| 57 | $193,115 | $11,587 | $5,793 | $963,103 |
| 58 | $198,909 | $11,935 | $5,967 | $1,048,990 |
| 59 | $204,876 | $12,293 | $6,146 | $1,141,442 |
| 60 | $211,022 | $12,661 | $6,331 | $1,240,937 |
| 61 | $217,353 | $13,041 | $6,521 | $1,347,984 |
| 62 | $223,874 | $13,432 | $6,716 | $1,463,130 |
| 63 | $230,590 | $13,835 | $6,918 | $1,586,960 |
| 64 | $237,508 | $14,250 | $7,125 | $1,720,100 |
| 65 | $244,633 | $14,678 | $7,339 | $1,863,222 |
How this works
- Your contribution is entered as 6.00% of salary, capped at the IRS limit (plus catch-up after age 50).
- Employer match = min(your contribution, 6.00% of salary) × 50.00%.
- Illustrative only — not tax, vesting, or loan modeling.
401(k) Calculator — Match, Limits & Growth
Project 401(k) balance at retirement with employee contributions, employer match, salary growth, and IRS contribution limits. See how increasing deferrals or capturing full match affects long-term outcomes.
Common questions
- Should I contribute enough to get the full employer match?
- Yes, when possible. Employer match is often an immediate 50%–100% return on deferred dollars up to the match cap — one of the highest-confidence benefits in a benefits package.
- Do contribution limits change each year?
- IRS elective deferral and total contribution limits are indexed periodically. Enter limits that match the tax year you are planning for, or use current-year defaults in the calculator.