401(k) Calculator

Project your 401(k) through retirement age with optional employer match, annual salary growth, and an IRS-style employee deferral cap. Then see a rough monthly payout over your retirement years. Not tax advice; mainly for U.S. plan-style thinking.

Plan inputs

Basic

Current age

Current annual salary ($)

Current 401(k) balance ($)

Your contribution (% of salary)

Employer match (% of matched deferrals)

Employer match on deferrals up to (% of salary)

IRS employee deferral limit ($/year, approximate)

Projections

Expected retirement age

Life expectancy

Expected salary increase (%/year)

Expected annual return while working (%)

Expected inflation (%/year)

Expected annual return in retirement (%)