401(k) Calculator

See how your 401(k) grows with employer match and compound interest through retirement.

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Match on contributions up to vesting limit
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Projected retirement balance
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Your Contributions
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Employer Match
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Investment Growth
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Monthly Contribution
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How 401(k) accounts grow

A 401(k) grows through three forces: your contributions, your employer's match (free money), and compound investment returns. The employer match alone represents an immediate 50%–100% return on the matched portion — no other investment beats that.

How much should I contribute to my 401(k)?
Contribute at least enough to get the full employer match — that is a 50%–100% instant return. Then increase to 15% of gross income if possible.
What is the 401(k) contribution limit for 2025?
$23,500 for employees under 50. $31,000 for those 50+ with the $7,500 catch-up contribution.
Traditional or Roth 401(k)?
Traditional: tax deduction now, taxed in retirement. Roth: taxed now, tax-free in retirement. If you expect a higher bracket in retirement, Roth is usually better.
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