Retirement Calculator: Project Your 401(k) Growth With Employer Match
Enter your age, savings, and contribution details below, and I’ll project what your retirement account could grow to by retirement, including any employer match.
About you
Contributions & growth
Projected growth
Many advisors suggest saving at least 15% of your income for retirement, including any employer match. Not sure where that fits in your monthly numbers? Run it through the Budget Calculator to find room for it.
How this calculator works
Assumptions
- The projection runs one year at a time with a single flat annual return.
- Your salary grows by the rate you enter each year.
- Your contribution and the employer match are made every year until retirement, with the match capped at the limit you enter.
- Today’s-dollars figures use your inflation rate.
What your result means
The projected balance is a single what-if outcome. The monthly income figure uses the 4% rule, a common rule of thumb for how much might be withdrawn each year, divided by 12. The breakdown shows how much came from you, your employer, and investment growth.
Limitations
Real investment returns go up and down, and the order of good and bad years matters. The tool does not include taxes, fees, IRS contribution limits, vesting schedules, Social Security, or changes to your plan. The 4% rule is not a guarantee.
Results are estimates for education, not personalized financial advice. For decisions about your own situation, consider talking with a qualified financial professional.
Example
If you earn $60,000 and contribute 6% with a 50% match up to 6% of salary, you put in $3,600 in year one and your employer adds $1,800, for $5,400 before any investment growth.
This calculator is an educational estimate, not financial or investment advice. It assumes annual compounding, that contributions and any employer match are made every year until retirement, and a flat annual rate of return. Real markets rise and fall. It doesn’t account for taxes, fees, vesting schedules, contribution limits, or changes to your plan over time. The 4% rule is a common rule of thumb for sustainable withdrawals, not a guarantee. Your inputs are stored only in your browser and are never sent anywhere.