401(k) Retirement Calculator
Calculate your 401(k) retirement savings growth. Estimate your future balance based on contributions, employer match, investment returns, and years to retirement.
Step 1: Current Financials
Understanding Your 401(k)
A 401(k) is a tax-advantaged retirement savings plan offered by employers. Contributions are typically made with pre-tax dollars, reducing your current taxable income.
Step 2: Contributions & Returns
About Employer Matching
Many employers match a portion of your 401(k) contributions, often up to a certain percentage of your salary. This is essentially free money that accelerates your retirement savings.
401(k) Retirement Projection
Projected Retirement Balance
Contribution Rate Comparison
| Contribution Rate | Your Annual Contribution | Employer Match | Retirement Balance |
|---|
Balance Composition at Retirement
401(k) Growth Formula
Future Value = Current Balance × (1 + rate)^years + Annual Contribution × [(1 + rate)^years – 1] ÷ rate
The future value of your 401(k) depends on your current balance, annual contributions, investment returns, and the number of years until retirement.
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