Estimate your retirement savings with contributions, employer match, investment growth, and inflation in one clear projection.
Explore how small changes to your contribution rate and retirement timeline may affect your estimated future balance.
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Calculator
Enter your details to see an estimated balance at retirement and a year-by-year breakdown.
Full-precision calculations are used internally; displayed values are rounded estimates.
| Age | Annual salary | Employee contribution | Employer match | Investment growth | End-of-year balance |
|---|---|---|---|---|---|
| 31 | $77,250 | $4,635 | $2,318 | $700 | $17,653 |
| 32 | $79,568 | $5,570 | $2,387 | $1,236 | $26,845 |
| 33 | $81,955 | $6,556 | $2,459 | $1,879 | $37,739 |
| 34 | $84,413 | $7,597 | $2,532 | $2,642 | $50,510 |
| 35 | $86,946 | $8,695 | $2,608 | $3,536 | $65,349 |
| 36 | $89,554 | $9,851 | $2,687 | $4,574 | $82,461 |
| 37 | $92,241 | $11,069 | $2,767 | $5,772 | $102,069 |
| 38 | $95,008 | $12,351 | $2,850 | $7,145 | $124,415 |
| 39 | $97,858 | $13,700 | $2,936 | $8,709 | $149,760 |
| 40 | $100,794 | $15,119 | $3,024 | $10,483 | $178,386 |
| 41 | $103,818 | $15,573 | $3,115 | $12,487 | $209,561 |
| 42 | $106,932 | $16,040 | $3,208 | $14,669 | $243,478 |
| 43 | $110,140 | $16,521 | $3,304 | $17,043 | $280,346 |
| 44 | $113,444 | $17,017 | $3,403 | $19,624 | $320,391 |
| 45 | $116,848 | $17,527 | $3,505 | $22,427 | $363,850 |
| 46 | $120,353 | $18,053 | $3,611 | $25,470 | $410,984 |
| 47 | $123,964 | $18,595 | $3,719 | $28,769 | $462,066 |
| 48 | $127,682 | $19,152 | $3,830 | $32,345 | $517,393 |
| 49 | $131,513 | $19,727 | $3,945 | $36,218 | $577,283 |
| 50 | $135,458 | $20,319 | $4,064 | $40,410 | $642,075 |
| 51 | $139,522 | $20,928 | $4,186 | $44,945 | $712,135 |
| 52 | $143,708 | $21,556 | $4,311 | $49,849 | $787,852 |
| 53 | $148,019 | $22,203 | $4,441 | $55,150 | $869,645 |
| 54 | $152,460 | $22,869 | $4,574 | $60,875 | $957,962 |
| 55 | $157,033 | $23,555 | $4,711 | $67,057 | $1,053,286 |
| 56 | $161,744 | $24,262 | $4,852 | $73,730 | $1,156,130 |
| 57 | $166,597 | $24,990 | $4,998 | $80,929 | $1,267,046 |
| 58 | $171,595 | $25,739 | $5,148 | $88,693 | $1,386,627 |
| 59 | $176,742 | $26,511 | $5,302 | $97,064 | $1,515,504 |
| 60 | $182,045 | $27,307 | $5,461 | $106,085 | $1,654,357 |
| 61 | $187,506 | $28,126 | $5,625 | $115,805 | $1,803,914 |
| 62 | $193,131 | $28,970 | $5,794 | $126,274 | $1,964,951 |
| 63 | $198,925 | $29,839 | $5,968 | $137,547 | $2,138,304 |
| 64 | $204,893 | $30,734 | $6,147 | $149,681 | $2,324,866 |
| 65 | $211,040 | $31,656 | $6,331 | $162,741 | $2,525,594 |
The calculator projects one year at a time, combining your starting balance, employee contributions, employer match, and estimated investment growth.
01
Add your age, salary, retirement timeline, contribution rate, and expected return.
02
Employer contributions follow the match rate and salary percentage you enter.
03
Compare contributions and growth in the summary card and yearly projection.
A 401(k) calculator is an educational planning tool that estimates how retirement savings may grow over time. It can help you understand the impact of employee contributions, employer matching, salary growth, investment returns, and inflation.
Actual results depend on market performance, plan rules, fees, contribution timing, taxes, and other factors. Use this estimate as a starting point for informed conversations with a qualified professional.
It estimates a future 401(k) balance using your current balance, salary, contribution rate, employer match, investment return, and time until retirement. Results are educational projections, not guarantees.
The calculator applies your employer's match rate to eligible employee contributions, up to the percentage of salary you enter. For example, a 50% match up to 6% adds $0.50 for each $1 contributed through the first 6% of salary.
Traditional contributions are generally made before federal income tax, while Roth contributions are generally made after tax, subject to plan rules. This calculator does not estimate precise tax savings.
Catch-up contributions are additional employee contributions available under plan and tax rules for eligible ages. This estimate uses the 2026 limits entered for the calculator and applies the higher limit for ages 60–63.
No. It is an educational projection only. It does not provide investment, tax, or financial advice, determine plan eligibility, or guarantee future returns or income.
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