Finance
401(k) Calculator
Project retirement savings contributions. Change the inputs below and the estimate updates immediately.
Input
Your numbers
Calculated result
Projected 401(k) balance
$1,015,335.43
Monthly combined contribution
$900.00
Estimate only. Verify important decisions with an appropriate professional or official source.
How to use it
A quick estimate, without the spreadsheet.
Inputs and units
Enter balance, annual salary, employee and employer contribution percentages, annual return and years.
Formula
Monthly contribution = salary × (employee% + employer%) / 1,200. Balance and end-of-month contributions grow using monthly compounding.
Worked example
$60,000 salary with 6% employee and 3% employer contributions adds $450 monthly.
Assumptions and limitations
Employer percentage means an assumed contribution as a share of salary, not a matching schedule. Contribution limits, vesting, salary growth and taxes are excluded.