401(k) Calculator
Plan your 401(k) retirement savings with employer matching
Retirement Projections
Balance at Retirement
$2,700,836.88
At age 65
Total Growth
$1,999,836.88
Investment returns
Your Contributions
$515,000.00
Employer Match
$186,000.00
Annual Contribution Breakdown
Yearly Savings
Your Annual Contribution$15,000.00
Employer Match+$6,000.00
Total Annual$21,000.00
Account Details
Current Balance
$50,000.00
Current Age
35 years
Retirement Age
65 years
Years to Retire
30 years
Expected Return
7%
Monthly at Retirement
$9,002.79
4% withdrawal rate
Contribution Scenarios
| Annual Contribution | Employer Match | Balance at 65 |
|---|---|---|
| $5,000.00 | +$2,500.00 | $1,226,391.80 |
| $10,000.00 | +$5,000.00 | $2,045,527.96 |
| $15,000.00 | +$6,000.00 | $2,700,836.88 |
| $20,000.00 | +$6,000.00 | $3,246,927.66 |
| $24,500.00 | +$6,000.00 | $3,738,409.35 |
$
$
Max: $24,500.00
%
% of your contribution
$
Max employer contribution
years
Range: 18 - 75
years
Range: 36 - 80
%
Balance at Retirement
$2,700,836.88
At age 65
Total Growth
$1,999,836.88
Investment returns
Your Contributions
$515,000.00
Employer Match
$186,000.00
Years to Retire
30
years
Monthly at Retirement
$9,002.79
4% withdrawal rate
401(k) Growth Projection
| Year | Balance |
|---|---|
| Age 35 | $50,000.00 |
| Age 36 | $75,970.00 |
| Age 37 | $103,757.90 |
| Age 38 | $133,490.95 |
| Age 39 | $165,305.32 |
| Age 40 | $199,346.69 |
| Age 41 | $235,770.96 |
| Age 42 | $274,744.93 |
| Age 43 | $316,447.07 |
| Age 44 | $361,068.37 |
| Age 45 | $408,813.15 |
| Age 46 | $459,900.07 |
| Age 47 | $514,563.08 |
| Age 48 | $573,052.50 |
| Age 49 | $635,636.17 |
| Age 50 | $702,600.70 |
| Age 51 | $774,252.75 |
| Age 52 | $850,920.44 |
| Age 53 | $932,954.87 |
| Age 54 | $1,020,731.72 |
| Age 55 | $1,114,652.94 |
| Age 56 | $1,215,148.64 |
| Age 57 | $1,322,679.05 |
| Age 58 | $1,437,736.58 |
| Age 59 | $1,560,848.14 |
| Age 60 | $1,692,577.51 |
| Age 61 | $1,833,527.94 |
| Age 62 | $1,984,344.89 |
| Age 63 | $2,145,719.03 |
| Age 64 | $2,318,389.37 |
| Age 65 | $2,503,146.62 |
Annual Contribution Breakdown
Your Annual Contribution$15,000.00
Employer Match+$6,000.00
Total Annual$21,000.00
Monthly Contribution$1,250.00
Effective Match Rate40.0%
% of Salary (assume $100k)15.0%
Contribution Scenarios
| Annual Contribution | Employer Match | Balance at 65 |
|---|---|---|
| $5,000.00 | +$2,500.00 | $1,226,391.80 |
| $10,000.00 | +$5,000.00 | $2,045,527.96 |
| $15,000.00 | +$6,000.00 | $2,700,836.88 |
| $20,000.00 | +$6,000.00 | $3,246,927.66 |
| $24,500.00 | +$6,000.00 | $3,738,409.35 |
2026 Contribution Limits
- Under 50: $24,500.00 employee contribution limit
- 50 and older: $32,500.00 (includes $8,000.00 catch-up)
- Age 60-63: $35,750.00 (includes $11,250.00 catch-up)
- Total limit (employee + employer): Varies by plan and IRS annual additions limit
- Always contribute at least enough to get the full employer match - it's free money!
Calculator Assumptions
- Compounding: Returns compound annually at year-end
- Contributions: Annual contributions made at start of each year
- Expected return: Default 7% represents historical stock market average after inflation (actual returns vary significantly year-to-year)
- Withdrawal rate: Monthly income estimate uses 4% safe withdrawal rate (Trinity Study, 30-year horizon)
- Tax treatment: Projections show pre-tax balances; withdrawals will be taxed as ordinary income
- Inflation: Not separately accounted for; use real return rate (nominal minus inflation) for inflation-adjusted projections
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