401k Calculator
Project your 401k balance at retirement. See exactly how much your employer match is worth and how much interest you'll earn over time.
Projected 401k Balance
$0
📐 Formula
Future Value = P(1+r)^n + PMT × [(1+r)^n - 1] / r, where P=current balance, r=monthly rate, PMT=monthly contribution, n=months
Frequently Asked Questions
For 2024, you can contribute up to $23,000 to a 401k ($30,500 if age 50+). Employer contributions do not count toward this limit but do count toward the total annual limit of $69,000.
Absolutely — employer matching is free money. If your employer matches 100% up to 3% of salary, contribute at least 3%. Anything less is leaving part of your compensation on the table.
The US stock market has historically returned about 7% annually after inflation. Conservative projections use 5–6%; aggressive use 8–9%. A mix of stocks and bonds typically returns 5–7%.