401K Calculator

Estimate 401k with transparent assumptions.

Choose a 401(k) questionProject retirement balance, estimate withdrawal costs, or maximize employer match.

3 options

Current age

years

Current annual salary

Current 401(k) balance

Contribution (% of salary)

Expected retirement age

years

Life expectancy

years

Expected salary increase

Expected annual return

Expected inflation rate

Employer match

Employer match limit

BALANCE AT AGE 65$1,677,444.21

Total employee and employer contributions: $444,830.14; inflation-adjusted balance: $799,709.26.

Estimate based on the values shown

Formula checkedProjects salary-linked contributions and employer matches, estimates early-withdrawal taxes, and solves the employee contribution needed for full match. Employment and exemption controls appear only for withdrawals; one canonical employer-match schedule is used by projection and match-maximization modes.

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