401(k) Calculator
See how much your 401(k) could be worth at retirement. Adjust your contributions, employer match and expected return to watch compound growth do the heavy lifting.
Your plan
Estimated balance at age 65
$1,150,614
after 35 years of saving
| Your contributions | $179,980 |
| Employer match | $89,990 |
| Starting balance | $20,000 |
| Investment growth | $860,644 |
| Total at retirement | $1,150,614 |
Assumes contributions each year and a constant average return. Investments carry risk; actual results will vary.
Estimates for informational purposes only. Not financial advice.
How a 401(k) grows
A 401(k) is an employer-sponsored retirement account. You contribute a percentage of each paycheck (often pre-tax), many employers add a match on top, and the whole balance is invested so it compounds over time. The earlier you start, the more of your final balance comes from growth rather than your own contributions.
Get the full employer match
An employer match is essentially free money. If your company matches 100% of contributions up to 3% of your salary, contributing at least 3% instantly doubles that portion of your savings. Not contributing enough to get the full match leaves guaranteed returns on the table.
2026 contribution limits
For 2026 you can contribute up to $24,500 of your own money to a 401(k), plus a catch-up contribution if you're 50 or older. Employer matches don't count toward that employee limit.
See your paycheck impact
Because traditional 401(k) contributions are pre-tax, they lower your taxable income today. Use the paycheck calculator and enter your contribution in the pre-tax deductions field to see how saving changes your take-home pay.