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401(k) Calculator

How much will your 401(k) be worth at retirement? This calculator shows growth with employer matching, contribution limits, and the real impact of starting early vs. late.

401(k) Growth Calculator

See how your 401(k) grows with contributions, employer match, and compound returns

2026 max: $23,500/yr ($31,000 if 50+)

Typical: 50-100%

Used to calculate match limit (6% assumed)

Historical S&P 500 avg: ~10% (~7% inflation-adjusted)

🏦Balance at Retirement
$1,285,747
💰Your Contributions
$210,000
🏢Employer Match
$63,000
📈Investment Earnings
$1,002,747
Current Age30
Retirement Age65
Years Until Retirement35
Current Balance$10,000
Your Monthly Contribution$500.00
Employer Match per Month$150.00
Total Monthly Contribution$650.00
Your Total Contributions$210,000
Total Employer Match$63,000
Investment Earnings$1,002,747
Projected Balance at Retirement$1,285,747

Starting at age 30 with $10,000 and contributing $500/month, your 401(k) could grow to $1,285,747 by age 65 — including $63,000 in free employer match money.

Assumes monthly compounding at 1/12 of the annual return rate. Employer match calculated as matchPct% of your contributions up to 6% of your salary (common standard). Actual match structures vary by employer. Does not account for contribution limit phase-ins, inflation, or tax implications. 2026 401(k) limit: $23,500 ($31,000 age 50+).

Frequently Asked Questions

How much should I contribute to my 401(k)?+

At minimum, contribute enough to get the full employer match — that's free money (typically 3-6% of salary). Beyond that, aim for 15% of gross income total (including match). For 2026, the max is $23,500 ($31,000 if 50+). Maxing out at 25 can grow to $1M+ in 20 years.

How much will I have in my 401(k) at retirement?+

It depends on contributions, match, and returns. Contributing $500/month with 50% employer match ($250/month) at 7% annual return: $750/month → $380,000 in 15 years, $750,000 in 25 years, $1.6M in 35 years. Starting 10 years earlier roughly doubles your balance.

Should I choose traditional or Roth 401(k)?+

Choose Roth 401(k) if you expect higher taxes in retirement (you're early in career, tax rates may rise). Choose traditional 401(k) if you're in a high bracket now and expect lower income in retirement. Many people split contributions for tax diversification.

How much should I contribute to my 401(k)?

At minimum, contribute enough to get the full employer match — that's free money (typically 3-6% of salary). Beyond that, aim for 15% of gross income total (including match). For 2026, the max is $23,500 ($31,000 if 50+). Maxing out at 25 can grow to $1M+ in 20 years.