401k Calculator
Calculate your 401k growth with employer matching contributions. See how your retirement savings can grow with tax-deferred compounding and employer match benefits.
401k Details
401k Balance at Age 65
First Year Contributions
Tip: Make sure you contribute at least 6% of your salary to get the full employer match. Employer matching is essentially free money - don't leave it on the table!
401k Growth Projection
Year-by-Year Breakdown
| Age | Balance | Your Total | Employer Total | Gains |
|---|---|---|---|---|
| 31 | $36,500 | $7,500 | $2,250 | +$1,750 |
| 32 | $49,098 | $15,225 | $4,568 | +$4,305 |
| 33 | $62,878 | $23,182 | $6,955 | +$7,742 |
| 34 | $77,934 | $31,377 | $9,413 | +$12,143 |
| 35 | $94,363 | $39,819 | $11,946 | +$17,599 |
| 36 | $112,271 | $48,513 | $14,554 | +$24,204 |
| 37 | $131,772 | $57,468 | $17,241 | +$32,063 |
| 38 | $152,987 | $66,693 | $20,008 | +$41,287 |
| 39 | $176,047 | $76,193 | $22,858 | +$51,996 |
| 40 | $201,092 | $85,979 | $25,794 | +$64,319 |
| 41 | $228,272 | $96,058 | $28,818 | +$78,396 |
| 42 | $257,747 | $106,440 | $31,932 | +$94,375 |
| 43 | $289,691 | $117,133 | $35,140 | +$112,417 |
| 44 | $324,287 | $128,147 | $38,444 | +$132,696 |
| 45 | $361,735 | $139,492 | $41,848 | +$155,396 |
| 46 | $402,247 | $151,177 | $45,353 | +$180,717 |
| 47 | $446,050 | $163,212 | $48,964 | +$208,874 |
| 48 | $493,389 | $175,608 | $52,682 | +$240,098 |
| 49 | $544,525 | $188,377 | $56,513 | +$274,635 |
| 50 | $599,738 | $201,528 | $60,458 | +$312,752 |
| 51 | $659,329 | $215,074 | $64,522 | +$354,734 |
| 52 | $723,620 | $229,026 | $68,708 | +$400,887 |
| 53 | $792,956 | $243,397 | $73,019 | +$451,540 |
| 54 | $867,705 | $258,199 | $77,460 | +$507,047 |
| 55 | $948,264 | $273,444 | $82,033 | +$567,786 |
| 56 | $1,035,057 | $289,148 | $86,744 | +$634,165 |
| 57 | $1,128,538 | $305,322 | $91,597 | +$706,619 |
| 58 | $1,229,193 | $321,982 | $96,595 | +$785,616 |
| 59 | $1,337,544 | $339,141 | $101,742 | +$871,660 |
| 60 | $1,454,148 | $356,816 | $107,045 | +$965,288 |
| 61 | $1,579,605 | $375,020 | $112,506 | +$1,067,078 |
| 62 | $1,714,553 | $393,771 | $118,131 | +$1,177,651 |
| 63 | $1,859,678 | $413,084 | $123,925 | +$1,297,669 |
| 64 | $2,015,716 | $432,976 | $129,893 | +$1,427,847 |
| 65 | $2,183,452 | $453,466 | $136,040 | +$1,568,947 |
401(k) Calculator FAQ
How much can I contribute to my 401(k) in 2026?
The 2026 employee elective deferral limit is $24,500. If you are 50 or older, you can contribute an additional $8,000 catch-up, for a total of $32,500. Workers who turn 60-63 during the year get a larger "super catch-up" of $11,250 instead of the standard $8,000, for a total of $35,750.
How do I calculate my 401(k) employer match?
Employer match is usually expressed as a percentage of your contribution, up to a percentage of your salary. For example, "100% match up to 6% of salary" means your employer contributes a dollar for every dollar you contribute, until your contribution reaches 6% of your salary. This calculator applies that formula automatically using the match rate and match limit you enter.
What happens if I don't contribute enough to get the full employer match?
You leave free money on the table. If your employer matches 100% up to 6% of salary and you only contribute 3%, you are giving up half of the match you're entitled to. Most financial advisors recommend contributing at least enough to capture the full match before directing extra savings elsewhere, since it's an immediate, guaranteed return no investment can match.
Does this calculator account for salary growth and investment returns?
Yes. You can set an expected annual salary growth rate and an expected annual investment return, and the year-by-year projection compounds both — your contribution amount grows with your salary each year, and your balance compounds at your chosen return rate. Adjust the assumptions to see how sensitive your projected balance is to more conservative or aggressive estimates.