401k Calculator

See how steady contributions and an assumed return change a retirement balance over time. Employer match is modeled as extra dollars into the account each month based on your deferral rate.

Not tax, legal, or plan-document advice—your real plan may cap match differently.

401(k) balance projection

Current balance ($)

Your monthly deferral ($)

Employer match (% of your deferral)

Expected annual return (%)

Years

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How this is calculated

Each month the balance earns annual return ÷ 12, then your contribution and employer match are added.

Employer match here = your monthly deferral × (match % ÷ 100), uncapped for simplicity—compare to your SPD for true caps.

Use this tool for

• Ballparking “what if I raise deferral 1% next open enrollment?”
• Explaining match to a new hire with concrete dollar examples.
• Sanity-checking a robo-advisor or recordkeeper projection.

Common questions

Where are limits and catch-up?

IRS deferral limits change yearly—this tool does not enforce them; keep totals realistic against current IRS caps.

Roth vs traditional?

Tax treatment differs; this projection shows nominal balance growth only.