401(k) Calculator
Project your 401(k) balance with employer match, salary growth, fees, and inflation adjustment—see a yearly table and export results to CSV.
Example: 50 means "50% match"
Example: 6 means match applies up to 6% contribution
Show today's dollars
Inflation-adjust retirement value
At retirement
$2,553,905
Today's dollars: $1,076,142
Years to invest
35
Employee
$513,928
Employer
$154,178
Total contributions
$668,106
Note
This projection is an estimate for planning and education. Actual returns, taxes, and limits can vary.
| Year | Age | Employee | Employer | End balance |
|---|---|---|---|---|
| 1 | 31 | $8,500 | $2,550 | $59,435 |
| 2 | 32 | $8,755 | $2,627 | $75,180 |
| 3 | 33 | $9,018 | $2,705 | $92,333 |
| 4 | 34 | $9,288 | $2,786 | $110,998 |
| 5 | 35 | $9,567 | $2,870 | $131,289 |
| 6 | 36 | $9,854 | $2,956 | $153,324 |
| 7 | 37 | $10,149 | $3,045 | $177,233 |
| 8 | 38 | $10,454 | $3,136 | $203,153 |
| 9 | 39 | $10,768 | $3,230 | $231,231 |
| 10 | 40 | $11,091 | $3,327 | $261,624 |
| 11 | 41 | $11,423 | $3,427 | $294,501 |
| 12 | 42 | $11,766 | $3,530 | $330,041 |
| 13 | 43 | $12,119 | $3,636 | $368,436 |
| 14 | 44 | $12,483 | $3,745 | $409,892 |
| 15 | 45 | $12,857 | $3,857 | $454,629 |
| 16 | 46 | $13,243 | $3,973 | $502,881 |
| 17 | 47 | $13,640 | $4,092 | $554,900 |
| 18 | 48 | $14,049 | $4,215 | $610,954 |
| 19 | 49 | $14,471 | $4,341 | $671,330 |
| 20 | 50 | $14,905 | $4,471 | $736,335 |
Our 401(k) calculator helps you estimate retirement savings growth over time. Model employee contributions, employer match, salary growth, expected returns, and fees—and optionally view results in today’s dollars by adjusting for inflation.
Common Use Cases
- ✓Retirement Planning
Estimate how much your 401(k) may grow by retirement based on your savings rate and return assumptions.
- ✓Employer Match Optimization
Model your employer match to understand the impact of contributing enough to capture the full match.
- ✓Scenario Comparison
Try conservative vs moderate vs aggressive return assumptions to stress test your plan.
- ✓Inflation Awareness
View inflation-adjusted results to better understand purchasing power in today’s dollars.
- ✓Contribution Strategy
Test raising contributions over time and see long-term compounding impact.
- ✓Spreadsheet Export
Export year-by-year projection as CSV for deeper modeling.
Key Features
Employer Match Modeling
Include match rate and match limit to estimate free employer contributions
Salary Growth
Project contributions as your income grows over time
Fees & Inflation
Model investment fees and optionally view inflation-adjusted results
Scenario Presets
Quickly apply return assumptions like Conservative, Moderate, and Aggressive
Year-by-Year Table
View a readable yearly projection and export the full dataset to CSV
Copy Summary
Copy your projection highlights for sharing or notes
Frequently Asked Questions
How accurate is this 401(k) calculator?
It’s designed for planning and education. Real outcomes depend on market returns, contribution limits, tax rules, and personal circumstances.
How does employer match work?
Many employers match a percentage of your contribution up to a limit. Example: 50% match up to 6% means they contribute 3% of your salary if you contribute 6%.
What does inflation-adjusted mean?
Inflation-adjusted values estimate purchasing power in today’s dollars by discounting future balances using an inflation rate.
Does it include IRS contribution limits?
This calculator does not enforce legal limits. It’s intended for estimation—your actual maximum contributions may be capped.
Are fees important?
Yes. Even small annual fees can compound over decades and materially reduce long-term balances.
Is my data stored?
No. All calculations run in your browser.