401(k) Calculator
Project your 401(k) retirement savings over time. Factor in your contributions, employer match, expected investment returns, and annual salary increases to see how your retirement nest egg will grow.
Inputs
$
$
$
2026 limit: $23,500 (under 50) or $31,000 (50+)
%
Percentage your employer matches (e.g., 50% = 50 cents per dollar)
%
Employer matches up to this % of your salary
%
%
Results
Balance at Retirement
$1,518,683
Your Contributions
$210,000
Employer Contributions
$100,794
Investment Growth
$1,182,889
401(k) Growth Over Time
Sources of Growth
Year-by-Year Projection
| Age | Salary | You | Employer | Growth | Balance |
|---|---|---|---|---|---|
| 31 | $75,000.00 | $6,000.00 | $2,250.00 | $2,038.75 | $35,288.75 |
| 32 | $77,250.00 | $6,000.00 | $2,317.50 | $2,761.33 | $46,367.58 |
| 33 | $79,567.50 | $6,000.00 | $2,387.03 | $3,539.28 | $58,293.88 |
| 34 | $81,954.53 | $6,000.00 | $2,458.64 | $4,376.62 | $71,129.14 |
| 35 | $84,413.16 | $6,000.00 | $2,532.39 | $5,277.67 | $84,939.20 |
| 36 | $86,945.56 | $6,000.00 | $2,608.37 | $6,247.04 | $99,794.61 |
| 37 | $89,553.92 | $6,000.00 | $2,686.62 | $7,289.65 | $115,770.88 |
| 38 | $92,240.54 | $6,000.00 | $2,767.22 | $8,410.81 | $132,948.91 |
| 39 | $95,007.76 | $6,000.00 | $2,850.23 | $9,616.18 | $151,415.32 |
| 40 | $97,857.99 | $6,000.00 | $2,935.74 | $10,911.82 | $171,262.89 |
| 41 | $100,793.73 | $6,000.00 | $3,000.00 | $12,303.40 | $192,566.29 |
| 42 | $103,817.54 | $6,000.00 | $3,000.00 | $13,794.64 | $215,360.93 |