401K Calculator

Project 401(k) balance from salary deferrals, match, and expected return.

401K Calculator helps you project 401(k) balance from salary deferrals, match, and expected return. Enter current balance, annual salary, your contribution, employer match, expected annual return, and years until retirement, review the breakdown, and use the guidance below to understand what the number means — and what it does not. What the 401(k) calculator does 401K Calculator is built for money decisions — loans, savings, payments, and taxes. Project 401(k) balance from salary deferrals, match, and expected return. You enter current balance, annual salary, your contribution, employer match, expected annual return, and years until retirement, then Simple Calculators computes the result instantly. Rates, fees, and tax rules vary by lender and country, so treat results as planning numbers, not a contract. How the math works Enter your Current balance, Annual salary, Your contribution and Employer match (both as a percent of salary), Expected annual return and Years until retirement. Each year, salary × (your % + match %) is paid in as 12 equal monthly deposits, and the balance grows at the annual return ÷ 12 each month. Your salary stays the same throughout, and IRS contribution li…