- Enter your salary, your contribution percentage, and your employer's match.
- Contributions are invested and compounded monthly at your assumed annual return.
- The employer match applies up to your own contribution level — the most common plan design.
- Results include a 4% rule estimate: the safe annual income your final balance could support.
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401(k) Calculator — Project Your Retirement Savings
See how your 401(k) grows over time. Enter your salary, contribution rate and employer match to project your balance at retirement, plus how much of the final figure is your money versus compound growth.
How the 401k calculator works
Frequently asked questions
How does an employer 401(k) match work?
The most common design: the employer matches 100% of your contributions up to a limit (often 3-6% of salary). If you contribute 8% on a 4% match, you get 12% of your salary invested while only 8% leaves your paycheque.
What is the 4% rule?
A guideline that retirees can withdraw 4% of their portfolio per year with low risk of running out of money over a 30-year retirement. A $1M balance supports roughly $40,000/year.
What is the 2026 401(k) contribution limit?
The employee limit is $24,500 for 2026, plus an extra $8,000 catch-up if you're 50 or older. Your employer match sits on top of your own limit.
Should I use pre-tax or Roth 401(k)?
Pre-tax lowers your taxable salary now; Roth gives tax-free withdrawals in retirement. Younger workers in lower brackets often benefit from Roth; peak earners usually prefer pre-tax.
Estimates are for guidance only and are based on published 2025/2026 rates. Always confirm with a qualified professional for financial decisions.