401k Retirement Calculator
Enter your 401k balance, contributions, employer match, and years to retirement to see your projected balance.
Calculate how much your 401k will be worth at retirement based on your current balance, annual contributions, employer match, years until retirement, and expected investment return rate.
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Last reviewed: April 2026Report an error
Projected Balance at Retirement
$955,439
$955,439 total: $180,000 your contributions + $63,000 employer match + $687,439 growth. Annual match: $2,100.
Your Contributions
$180,000
Employer Match
$63,000
Investment Growth
$687,439
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How to Use This 401k Calculator
- Enter your current 401k balance.
- Enter your annual contribution.
- Enter your employer match percentage and match limit.
- Enter years until retirement and expected annual return.
- Read projected retirement balance split by contributions, employer match, and growth.
Frequently Asked Questions
- An employer match is free money — your employer contributes a percentage of what you contribute. A common match is 50% up to 6% of salary, meaning if you earn $60,000 and contribute $3,600 (6%), your employer adds $1,800.
- The IRS 401k employee contribution limit for 2026 is $23,500 ($31,000 if age 50+). Employer contributions are on top of this.
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