401(k) Calculator
Project your 401(k) balance at retirement including employer match.
401(k) Calculator
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Live result
Estimated balance
at retirement
$1,323,836
Your annual contribution
$8,000
Employer match (annual)
$4,000
What it is
A 401(k) calculator projects your balance at retirement based on contributions, employer match, and expected returns.
The formula
Annual contribution × growth, plus employer match. Match capped at the lesser of your % and the employer maximum.
Why it matters
The employer match is free money. Always contribute at least enough to get the full match — anything less is a pay cut.
Worked examples
Try the example
Use the defaults above as a starting point — then adjust the inputs to match your situation.
Common pitfalls
- Not contributing enough to get the full match.
- Choosing aggressive expected returns (>9%) that don't survive inflation.
Frequently asked questions
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