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401(k) Calculator

Project 401(k) balance growth including employer matching.

Introduction

401(k) Calculator — Project 401(k) balance growth including employer matching. Enter Annual salary, Your contribution (%), Employer match (%), Match limit (% of salary), Expected return (%), Years to retirement to get an instant, accurate result.

Formula

Employer match applies only up to the match-limit percentage of salary (matched% = min(your contribution%, match limit%)). Employee and employer monthly amounts are combined and grown using the future-value-of-annuity formula at the given rate.

Step-by-step

  1. Enter the Annual salary.
  2. Enter the Your contribution (%).
  3. Enter the Employer match (%).
  4. Enter the Match limit (% of salary).
  5. Enter the Expected return (%).
  6. Enter the Years to retirement.
  7. Click Calculate to see your result instantly.

Real-world example

Example: With Annual salary = 70000, Your contribution (%) = 6, Employer match (%) = 50, Match limit (% of salary) = 6, Expected return (%) = 7, Years to retirement = 25, the 401(k) Calculator gives Employee Monthly: 350, Employer Monthly: 175, Total Monthly: 525.

Frequently Asked Questions

How does the employer match limit work?
The employer only matches contributions up to the specified limit percentage of salary — contributing beyond that limit adds to your own balance but not the match.
Does this account for IRS annual contribution caps?
No, this projects growth from the percentages and salary you enter without enforcing statutory contribution limits.
What inputs does the 401(k) Calculator need?
You'll need to provide: Annual salary, Your contribution (%), Employer match (%), Match limit (% of salary), Expected return (%), Years to retirement. All fields use sensible defaults, so you can see a working example immediately and then adjust the values to match your own numbers.
How accurate is the 401(k) Calculator?
The 401(k) Calculator applies the formula exactly as calculated — Employer match applies only up to the match-limit percentage of salary (matched% = min(your contribution%, match limit%)). Employee and employer monthly amounts are combined and grown using the future-value-of-annuity formula at the given rate. — so results are precise for the inputs you provide. Accuracy depends on entering correct, realistic input values.
Are these results guaranteed?
No. The 401(k) Calculator gives an estimate based on the numbers you enter and standard financial formulas — actual rates, fees, taxes, and terms vary by lender, institution, and jurisdiction, and can change over time. This is not financial advice; consult a qualified financial professional for decisions specific to your situation.
Is the 401(k) Calculator free to use?
Yes, the 401(k) Calculator is completely free, requires no signup, and runs instantly in your browser.

About the 401(k) Calculator

The 401(k) Calculator uses a real, verifiable formula — Employer match applies only up to the match-limit percentage of salary (matched% = min(your contribution%, match limit%)). Employee and employer monthly amounts are combined and grown using the future-value-of-annuity formula at the given rate. — so results are accurate every time, not an approximation.