It’s an estimate. Actual results vary with market conditions and plan rules. Consult a financial advisor.

Do you store my data?

No. Calculations run in your browser. Use Export or Share Link to save.

401k Calculator

Name: 401k Calculator
Author: CalculatorBolt

Calculate your 401(k) future value. Enter current balance, employee/employer contributions, match, return, and years to retirement. See total contributions and earnings. Informational only—consult a financial advisor. Explore more tools on free calculators on CalculatorBolt.

Calculator

Current Balance

Annual Salary

Employee Contribution (%)

Employer Match (% of employee contribution)

Match Limit (% of salary)

Annual Return (%)

Years to Retirement

Find Contribution for Goal (Target Balance)

Projected Balance

Employee Contributions

Employer Contributions

Total Earnings

Import JSON

Currency rounding

Percent decimals

How it works

Employee Contribution = Salary × Rate. Employer Contribution = min(Employee Contribution × Match, Salary × Limit). Future Value = Balance × (1+r)^t + Contributions × [((1+r)^t − 1)/r].

Inputs explained

Current Balance, Salary, Employee Contribution %, Employer Match %, Match Limit %, Annual Return, Years to Retirement.

Example

Balance=25,000, Salary=80,000, Employee=6%, Employer=100% up to 6%, Return=7%, Years=30 → Projected Balance≈$1.02M; Total Contributions≈$288k; Earnings≈$732k.

Tips & notes

Contribute at least enough to get the full employer match—it’s free money.
Increase contributions when you get raises or bonuses.
Review and rebalance your portfolio periodically.

FAQs

Many employers match 50% or 100% of employee contributions up to a limit (e.g., 3–6% of salary).

At least enough to receive the full employer match. Consider contributing more if possible.

No. Everything runs in your browser. Use Export or Share Link to save your configuration.

Disclaimer

Informational estimate only. Does not account for taxes, fees, or early withdrawal penalties. Consult a qualified financial advisor for personalized advice.