Is this 401(k) calculator free?

Yes, completely free with no signup required. All calculations run in your browser.

Does my data leave my device?

No. Your retirement and income details never leave your device.

Does it work on mobile?

Yes. The tool is mobile-first and works on iPhone Safari and Android Chrome.

How does the employer match work?

Enter the employer match as a percentage of your contribution. A 50% match means for every $100 you contribute, your employer adds $50. The calculator includes this in the total monthly amount.

What return rate should I use?

7% is a common assumption for a diversified portfolio over 20+ years. Target-date funds often project 6–8%. Use 5–6% for a conservative estimate accounting for inflation.

401(k) Projection Calculator

Project your 401(k) balance at retirement from current savings, contributions, and employer match.

100% client-side · no upload

Current Age Retirement Age Current Balance ($) Monthly Contribution ($) Employer Match (%) Annual Return (%)

How to use

Enter your current age, retirement age, and existing 401(k) balance.
Set your monthly contribution and your employer's match percentage.
Enter your expected average annual return to see your projected balance at retirement.

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Frequently Asked Questions

Is this 401(k) calculator free?: Yes, completely free with no signup required. All calculations run in your browser.
Does my data leave my device?: No. Your retirement and income details never leave your device.
Does it work on mobile?: Yes. The tool is mobile-first and works on iPhone Safari and Android Chrome.
How does the employer match work?: Enter the employer match as a percentage of your contribution. A 50% match means for every $100 you contribute, your employer adds $50. The calculator includes this in the total monthly amount.
What return rate should I use?: 7% is a common assumption for a diversified portfolio over 20+ years. Target-date funds often project 6–8%. Use 5–6% for a conservative estimate accounting for inflation.

Last updated: 2026-05-20 By jarvisbox