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401(k) retirement calculator

Project your 401(k) with employer match, salary growth and the 2026 contribution limit.

Your inputs stay in this tab. We do not receive your files, pasted text or calculation values.

Input

Current balanceAnnual salaryYour contribution (%)Employer match (% of your contribution)Match limit (% of salary)Annual raise (%)Annual return (%)Years until retirement

Your result

Your result will appear here.

How to use this tool

Enter your values or choose a local file. Replace the example data with your own.
Review options, units and assumptions, then run the tool.
Check the result before copying or downloading it. Keep an original copy of important files.

Method & assumptions

Project your 401(k) with employer match, salary growth and the 2026 contribution limit.

balance(t+1) = balance(t) × (1 + return) + your deferral + match

Worked example

Current balance: 25,000
Annual salary: 80,000
Your contribution (%): 8
Employer match (% of your contribution): 50
Match limit (% of salary): 6
Annual raise (%): 3
Annual return (%): 6
Years until retirement: 30

→ Balance at retirement: USD 1,116,347.70
→ Your contributions: USD 304,482.66
→ Employer match: USD 114,181.00
→ Investment growth: USD 672,684.04