401(k) Calculator (USA)
Estimate your 401(k) retirement savings including employee contribution, employer match, salary growth, and long-term investment returns.
401(k) Retirement Projection
Total Contributions
Total Growth
Final 401(k) Value
What Is a 401(k)?
A 401(k) is a US employer-sponsored retirement savings plan that allows employees to contribute a portion of their salary before taxes. Many employers offer matching contributions, which boosts retirement savings significantly.
How This 401(k) Calculator Works
This calculator estimates your retirement savings by considering:
- Employee contribution percentage
- Employer match
- Annual salary growth
- Compound investment returns
Why Employer Match Matters
Employer matching is essentially free money. Failing to contribute enough to get the full match means leaving money on the table.
Disclaimer
This calculator provides estimates only. Actual retirement savings may vary depending on market performance and plan rules.