Project your 401(k) at retirement. Include the employer match in your monthly contribution — it is free money.
How the 401(k) Calculator works
The calculator projects your 401(k) balance at retirement by compounding your current balance plus monthly contributions (including employer match) at an expected return.
Example calculation
At 32 with $40,000 and $900 a month (including match) at 7% projects to well over $1 million by 65.
Tips for using the 401(k) Calculator
- Always contribute enough to capture the full employer match.
- The match is an instant 50–100% return.
- Mind the annual IRS contribution limit.
401(k) Calculator — frequently asked questions
- Always get the match?
- Yes — contributing enough to capture the full employer match is one of the best returns available.
- Contribution limits?
- The IRS sets an annual limit that changes yearly; check the current cap.
- What is an employer match?
- Free money your employer adds based on your contributions, up to a limit.
- What if I change jobs?
- You can roll a 401(k) into an IRA or a new employer's plan without tax.
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