401(k) Calculator
Balance at retirement with employer match. Change the numbers and the result updates instantly.
How it works
Enter your age, salary, current balance, your contribution and your employer match. The calculator grows your balance each year with your contributions and salary raises. For 2026 the employee contribution limit is $24,500 under current IRS guidance, with extra catch-up amounts for older workers.
Example
Always contribute enough to get the full employer match; it is part of your pay. Returns are assumptions, not promises.
Tips
- Change one input at a time to see what moves the result most.
- Use realistic rates. Check current averages before you decide.
- Results are estimates and do not replace advice from a licensed professional.
Frequently asked questions
Is this calculator free?
Yes. There is no sign-up and nothing is stored on our servers; the math runs in your browser.
How accurate is it?
It uses standard formulas, but real offers include fees, rate changes and taxes that can differ. Treat the result as an estimate.
Sources and method
Page last updated November 2026. See our editorial policy and disclaimer.