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Retirement

401(k) Calculator

Project your 401(k) balance at retirement.

Your Details

$
2026 limit: $24,500/yr employee ($32,500 if 50+; $35,750 if age 60–63)
$
$
e.g. 50% match
%
of salary
%
%

At Retirement

Total Balance at Retirement

$1,525,879

Your Contributions

$235,000

Employer Match

$78,750

Investment Growth

$1,212,129

Monthly Income (4% rule)

$5,086

How to Use the 401(k) Calculator

  1. Enter your current age and expected retirement age.
  2. Input your current 401(k) balance.
  3. Set your monthly contribution.
  4. Enter your employer match — both the match percentage and cap.
  5. Use 7% expected return as a moderate baseline.

How a 401(k) Works

A 401(k) lets you contribute pre-tax dollars that grow tax-deferred until withdrawal. The employer match is one of the most valuable benefits in personal finance — it's an immediate 50–100% return before any investment gains. A 30-year-old contributing $500/month with $250/month employer match at 7% will have approximately $1.3 million at age 65.

Tips to Maximize Your 401(k)

  • Always capture the full employer match.
  • Increase contributions by 1% per year.
  • Use target-date funds if you don't want to manage allocations.
  • Avoid 401(k) loans — borrowed money loses compound growth while out.

Frequently Asked Questions

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Financial Disclaimer: The calculations provided by CalcVerify are for informational and educational purposes only. Results are estimates based on the information you provide and standard financial formulas. These calculations are not a substitute for professional financial advice. Tax calculations use 2025 rates and may not reflect current law. Interest rates and market returns used in examples are illustrative only. Please consult a qualified financial advisor, tax professional, or mortgage broker before making significant financial decisions.