Does this include employer match?
Yes. The calculator models match percentage and match cap separately.
Smart 401k retirement savings planner
See your future 401k balance before you retire.
Model contributions, employer match, salary growth, investment returns, fees, and inflation with a polished 401k calculator designed for confident retirement decisions.
Your retirement outlook
Based on 35 years of saving and compound growth.
Final estimate
$1,248,920
Total contributions
$336,000
Employer match
$168,000
Investment growth
$744,920
Retirement income estimate
Using a conservative 4% annual withdrawal guideline.
$49,957/yr
Contribution mix
Optimization tips
- Capture the full match: contribute at least enough to avoid leaving employer money behind.
- Raise contributions annually: even 1% increases can meaningfully improve long-term compounding.
- Watch fees: small expense ratios can create large balance differences over decades.
401k calculator FAQ
Is this financial advice?
No. It is an educational estimate; consult a qualified advisor for personal guidance.
Traditional or Roth 401k?
The projection focuses on savings growth before tax treatment differences.