401(k) & Retirement Calculator

Enter your current age, retirement age, salary, contribution rate, and employer match to project your account balance at retirement.

Results

Projected balance at retirement: $1,060,615
Your total contributions: $147,000
Employer match total: $73,500
Investment growth: $830,115

Balance by age

Period	Age	Projected balance
30	$10,000
31	$17,229
32	$24,981
33	$33,293
34	$42,205
35	$51,763
36	$62,011
37	$72,999
38	$84,783
39	$97,418
40	$110,966
41	$125,494
42	$141,072
43	$157,776
44	$175,688
45	$194,895
46	$215,490
47	$237,574
48	$261,254
49	$286,646
50	$313,874
51	$343,070
52	$374,377
53	$407,946
54	$443,943
55	$482,542
56	$523,931
57	$568,312
58	$615,901
59	$666,931
60	$721,650
61	$780,324
62	$843,240
63	$910,704
64	$983,045
65	$1,060,615

Frequently asked questions

Am I leaving money on the table if I contribute less than the match?

Usually yes — most employer matches only pay out up to a certain percent of salary, so contributing less than that cap means giving up free employer money.

Is 7% a realistic expected return?

It's a commonly used long-run average for a diversified stock/bond portfolio after inflation is roughly accounted for, but actual year-to-year returns vary widely — treat this as a projection, not a guarantee.