401(k) calculator
Calculator
The calculator needs JavaScript. The tables below give the same numbers for common cases.
How it is worked out
- Match = 50% of your contribution, up to 6% of salary: $2,400.00 a year.
- Monthly into the account = $733.33; salary and contributions are held constant (no raises).
- Balance = B × (1 + i)^m + monthly × ((1 + i)^m − 1) ÷ i = $826,982.99. Annual contribution limits are set by law and change; check the current limit.
| Inputs | Answer |
|---|---|
| Annual salary: 80000; Your contribution: 8; Employer match: 50; Match limit: 6; Current balance: 15000; Expected annual return: 6; Years until retirement: 30 | Contributing 8% of $80,000.00 with the employer match grows to about $826,982.99 in 30 years. |
| Annual salary: 55000; Your contribution: 4; Employer match: 100; Match limit: 3; Current balance: 0; Expected annual return: 7; Years until retirement: 35 | Contributing 4% of $55,000.00 with the employer match grows to about $577,838.35 in 35 years. |
| Annual salary: 120000; Your contribution: 12; Employer match: 50; Match limit: 6; Current balance: 90000; Expected annual return: 5.5; Years until retirement: 20 | Contributing 12% of $120,000.00 with the employer match grows to about $923,137.39 in 20 years. |
How to use it
Your yearly contribution is a percent of your salary. The employer then matches a percent of what you contribute, up to a limit set as a percent of salary (for example 50% of your contributions up to 6% of salary). The total goes into the account each month and grows at the expected return.
Salary and contributions are held constant (no raises). Annual contribution limits are set by law and change, so check the current limit; the calculator does not enforce one. These are estimates from the numbers you type, not financial advice or an offer; real products add fees and change rates.
Frequently asked questions
How does an employer match work?
The employer adds a percentage of your contribution, usually up to a cap as a percent of your pay.
Does the calculator include raises?
No; salary and contribution stay constant.
Are there contribution limits?
Yes, set by law each year; check the current figure.
Method: standard arithmetic shown step by step; no outside data is used. Checked 2026-11-12.
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General information only. Results are plain arithmetic on the numbers you enter; check anything important (money, health, school work) against your own records or the official source.