401(k) Calculator

It uses yearly compounding. Each year the existing balance grows by the annual return rate, then your employee contribution and the employer match for that year are added to the balance.

The employer contributes up to the match cap percentage of your salary, but only on the amount you personally put in. If you contribute less than the cap, the employer matches only what you contributed. Enter the cap percentage that matches your plan.

No. The calculator does not enforce the IRS annual contribution cap, does not subtract income tax or capital gains, and does not account for plan fees. Treat the result as a nominal pre-tax projection and confirm current limits on the IRS website.