Grow · 401(k) and retirement

401(k) and retirement calculator

Explore how contributions, an employer match, salary growth, and time could shape a retirement balance.

Scenario inputs

Change the assumptions.

  • Current retirement balance
  • Annual salary
  • Your contribution (% of salary)
  • Employer match (% of contribution)
  • Salary growth (% / year)
  • Annual return (%)
  • Current age (years)
  • Retirement age (years)

Open the interactive calculator to enter values. Calculations run in your browser. Editing inputs does not change the page URL. Share calculation includes your inputs after # in the shared link. This URL fragment is not sent in the page HTTP request. Anyone with the link can read its values. Avoid sharing sensitive financial information.

How it works

Time turns a contribution into a range.

The estimate compounds the current balance annually, adds an employee contribution and an employer match based on salary, then increases salary by the selected growth assumption each year.

This is an educational scenario, not a retirement recommendation or tax projection. It does not model contribution limits, vesting, taxes, withdrawals, inflation, or plan-specific rules.

Common questions

Before you use the number.

How is the employer match modeled?

The employer match is applied as a percentage of your contribution. For example, 50% means the employer contribution equals half of your contribution in this illustration.

Does this include taxes and inflation?

No. The result is a nominal balance estimate and does not model taxes, purchasing power, withdrawals, or plan rules.

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