401(k) retirement calculator
See what your 401(k) could grow to by retirement with your contributions and employer match. Takes about 2 minutes.
- Free
- About 5 min
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- Personalized with your numbers
Project this workplace account to retirement. Use your latest statement and pay stub for balance, salary, and contribution rates.
Your 401(k) is one piece of your retirement plan
Your 401(k) is one piece of your retirement plan
Your 401(k)Pieces still to add
Your retirement plan will also answer
- When can I retire?
- How much should I save?
- When should I claim Social Security?
- Should I do Roth conversions?
- How much can I safely withdraw?
- Should I pay off debt first?
- Would my plan weather market ups and downs?
Understand your result
What these numbers mean
Your projection assumes contributions, employer match and growth compound until age 65. Match applies up to 6% of salary. After-tax value uses an 18% retirement tax rate. This is an educational estimate, not advice.
How we figure this out
Each year, your prior balance grows at 7%. Then your contribution, capped at IRS limits, and the employer match are added.
Assumptions: 7.0% return · 3.0% inflation · 22% / 18% tax
Pay raises of 2% a year. The income estimate runs through age 90.
Frequently asked questions
How much should I put in my 401(k)?
At minimum, save enough to get the full employer match — that is extra pay. Many experts suggest 10–15% of pay if you can, within IRS limits.
What is an employer match?
Free money your company adds when you contribute. Example: they add 50 cents per dollar you save up to 6% of pay. Always get the full match if you can.
Traditional or Roth 401(k)?
Traditional lowers taxes now; you pay tax when you withdraw. Roth uses after-tax pay now; withdrawals may be tax-free later. Pick based on whether you expect higher or lower taxes in retirement.
What return should I assume?
Past U.S. stock returns averaged about 7% a year after inflation over long periods — but the future can differ. Using 5–6% is a more cautious planning assumption.
Your full retirement picture
Retirement is more than money
Your Finance plan is one of five pillars Retirelens helps you plan.
Finance
Know where you stand and what to do next with your money.
Health
Stay on top of coverage, care and habits that keep you well.
Purpose
Shape days you look forward to, with steps to get there.
Connections
Strengthen relationships and build a support circle.
Legacy
Organize what matters and document so your family isn't left guessing.