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.

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

401(k) Projection Calculator

Enter your current balance, age, contribution rate, employer match, and expected return to project your 401(k) at retirement.

100% client-side · no upload

Current Age

Retirement Age

Current Balance ($)

Monthly Contribution ($)

Employer Match (%)

E.g., 50% = employer adds $0.50 per $1 you contribute.

Annual Return (%)

Projected Balance

$1,024,000

Total Contributions

$270,000

Investment Growth

$754,000

Years to Retirement

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.

Contribution optimization: See how increasing contributions by $100/month affects your final balance.
Employer match: A 50% match on 6% of salary is effectively a 3% raise — maximize it.
Starting early: 10 extra years of compounding can more than double your retirement balance.

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.