401(k) Planner

Project your 401(k) balance, employer match, investment growth, and retirement income using compound growth.

Retirement Inputs

Current 401(k) balanceAnnual salaryYour contribution (%)Employer match (%)Expected annual return (%)Years until retirement

Projected Balance at Retirement

$1,372,451

Monthly income at 4%$4,575

Employer match / year$3,000

Projection Breakdown

Starting balance$50,000

Your total contributions$225,000

Employer total match$90,000

Investment growth$1,007,451

Your annual contribution$7,500

About the 401(k) Planner

The planner compounds your current balance, annual contributions, and employer match over your working years. A 15% combined savings rate is a common benchmark, and contributing enough to capture the full match is the first priority.

Results are estimates based on your return assumption. Actual market returns vary, so test conservative and optimistic scenarios before making retirement decisions.

Frequently Asked Questions

What is a 401(k) calculator?expand_more

It projects your retirement balance by applying compound growth to your current balance, contributions, employer match, return assumption, and years until retirement.

What is the 4% rule?expand_more

The 4% rule estimates sustainable first-year retirement withdrawals. A $1,000,000 balance would support about $40,000 per year, or $3,333 per month, before taxes.

What if I am behind on retirement savings?expand_more

Increase contributions gradually, capture the full employer match, consider catch-up contributions, and model a later retirement date or different return assumptions.

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401(k) Planner

Retirement Inputs

Projection Breakdown

About the 401(k) Planner

Frequently Asked Questions

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