401(k) Retirement Calculator

See how your retirement balance could grow over time.

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How to Use the 401(k) Retirement Calculator

  1. Enter your current 401(k) balance.
  2. Enter your monthly contribution and employer match.
  3. Enter your expected annual return and years to retirement.
  4. Click Calculate to see your projected balance.

Formula

FV = B(1+r)ⁿ + C × [((1+r)ⁿ − 1) ÷ r], where r = monthly return, n = months
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Worked Example

Starting with $10,000, contributing $450/month combined (you + employer) at a 7% annual return for 25 years grows to roughly $370,000.

About This Calculator

Retirement projections assume a constant monthly contribution and steady annual return; actual results will vary with market performance and any changes to your contribution rate.

Frequently Asked Questions

How is my 401(k) balance projected?

The calculator compounds your current balance plus regular contributions (yours and any employer match) at your expected annual return, for the number of years until retirement.

Should I include my employer match?

Yes — enter it separately if the calculator allows, since employer matching is essentially free money that significantly boosts your long-term balance.

Does this account for taxes or inflation?

This is a pre-tax growth estimate. Actual spending power in retirement will be lower after taxes and inflation, so treat the result as a nominal (not inflation-adjusted) projection unless stated otherwise.

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