United States · USD. 2026 contribution caps held constant throughout projection; catch-up eligibility uses current age. Matching and returns are assumptions. Other plans, eligibility and future law changes are excluded.
Input Parameters
Results
401(k) Balance Growth
- Balance
Choose a chart point to read its values.
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Your Contributions vs Match vs Growth
- Starting balance$50,000 (3%)
- Contributions after contribution tax$312,000 (21%)
- Investment growth after modeled tax$1,101,133 (75%)
Disclaimer: This calculator provides estimates for informational purposes only. Results are based on the inputs provided and standard financial formulas. Consult a qualified financial advisor before making financial decisions.
About This Calculator
United States · USD. 2026 contribution caps held constant throughout projection; catch-up eligibility uses current age. Matching and returns are assumptions. Other plans, eligibility and future law changes are excluded.
Sources & Model Limits
United States · USD. 2026 contribution caps held constant throughout projection; catch-up eligibility uses current age. Matching and returns are assumptions. Other plans, eligibility and future law changes are excluded. Read our methods and correction policy.
How It Works
Enter your current age, retirement age, annual salary, your contribution (%), employer match (%), match limit (% of salary), current 401(k) balance, expected annual return (%), and the calculator instantly computes your projected 401(k) balance, your annual contribution, employer annual match, est. monthly income (4%). For example, with Current Age: 35, Retirement Age: 65, Annual Salary: $80,000, Your Contribution (%): 10%, Employer Match (%): 50%, Match Limit (% of Salary): 6%, Current 401(k) Balance: $50,000, Expected Annual Return (%): 7%, the projected 401(k) balance comes out to $1,463,133.
Key Benefits
- 1See your projected 401(k) balance update instantly as you adjust any input
- 2Compare different scenarios side by side before making a decision
- 3Visualize the breakdown with a chart instead of raw numbers alone
- 4Export your results as a PDF report or CSV file for your records
Practical Tips
- →Check the country and rule year above before using the estimate.
- →Use official statements and lender quotes for personal limits, benefits and fees.
- →The method notes identify eligibility checks and taxes excluded from this calculation.