401(k) Calculator
Project the future value of your 401(k) from your salary, contribution rate, employer match, expected return, and years to retirement. Free and accurate.
- Future value
- 1138639.6
- Your contributions
- 240000
- Employer contributions
- 96000
How to use
- Enter your annual salary and the percentage you contribute.
- Enter your employer match percentage, expected annual return, and years until retirement.
- Read your projected future value plus your and your employer’s total contributions.
Examples
- $80k salary, 10% + 4% match, 7% / 30 yr:
future value $1,138,639.60 - Employer match:
4% of $80,000 over 30 yr → $96,000 contributed
FAQ
- What is an employer 401(k) match?
- An employer match is money your company adds to your 401(k) based on what you contribute. A 4% match means the employer contributes an amount equal to 4% of your salary, on top of your own contributions — effectively free retirement money.
- How is the future value calculated?
- Your monthly contribution plus the employer match is grown at the expected annual return, compounded monthly, over the full number of months until retirement.
- Should I always contribute enough to get the full match?
- Generally yes. The employer match is an immediate, guaranteed return on your contribution, so contributing at least enough to capture the full match is usually the highest-value move.