Calculator
401(k) Calculator
Project a 401(k) balance at retirement from your current age, income, starting balance, payroll contribution, employer match, return, fees, and inflation assumptions.
Balance at retirement
$2,425,007
This is a future-dollar estimate based on your current inputs, a 5.9% net return after fees, and 2026 IRS contribution-limit assumptions.
Years to retirement
32
Age 35 to 67
Future balance
$2,425,007
Nominal future dollars at the selected retirement age.
Today's dollars
$1,100,397
Discounted by the 2.5% inflation assumption.
Current-year savings
$16,800
Employee contribution plus the estimated employer match.
Match capture read
Current rate captures the entered match formula.
Current year
Projection view
Switch between the balance chart, year-by-year table, and IRS-limit details.
How to use this 401(k) calculator
Use this projection to test how today's payroll choices, employer match, fees, and inflation assumptions may shape a future workplace-plan balance.
Contribution
Start with your payroll election
Enter the amount or percent currently going into your workplace plan so the projection starts from your real habit.
Match
Check the employer formula
Use the match tiers to see whether your current contribution captures the plan money available this year.
Inflation
Compare future dollars carefully
Use today-dollar context so a large future balance is easier to read against future cost-of-living pressure.
1
Enter your current plan assumptions
Start with age, income, current balance, payroll contribution, employer match, expected return, and annual fees.
2
Review the current-year guardrails
Use the match-capture read and IRS-limit warning to see whether your payroll setting is realistic for the selected year.
3
Use the chart and table as a planning range
Switch between the visual projection, year-by-year table, and limit details before treating the result as a planning signal.
About this tool
What this helps you do
This calculator projects a workplace retirement balance from your current savings rate, employer match, return, fee, salary-growth, and inflation assumptions.
How to interpret results
The balance is a model, not a promise. Use the future-dollar and today-dollar figures together so the projection does not overstate purchasing power.
Notes
Limitations
This tool holds current-year IRS limits constant and does not model taxes, vesting, plan-specific true-up rules, Roth versus pretax treatment, investment changes, or personalized retirement needs.