401k Calculator - Retirement Savings Growth Estimator
Calculate your future nest egg with our 401k calculator. Estimate contributions, employer match, and investment growth to plan your retirement.
Free Money
Always aim to contribute at least enough to get your full employer match. Otherwise, you are leaving free money on the table!
Estimate Your Retirement
Enter your current details to project how much your 401(k) will grow by the time you retire.
401k Calculator - Retirement Savings Growth Estimator
Calculate your future nest egg with our 401k calculator. Estimate contributions, employer match, and investment growth to plan your retirement.
What is a 401(k)?
A 401(k) is a retirement savings plan sponsored by an employer. It lets workers save and invest a piece of their paycheck before taxes are taken out.
The Power of Compounding
The longer your money stays invested, the more it can grow. Even small contributions made early in your career can result in significant wealth by the time you retire.
401(k) Growth Formula
FV = P(1+r)^t + PMT × {[(1+r)^t - 1] / r}FV is future value, P is initial balance, r is the annual expected return rate, t is the number of years, PMT is the regular annual contribution amount.
Investment Scenarios
Starting Early
Starting at age 25 with $0, a $5,000 annual contribution with a 7% return can grow to over $1,000,000 by age 65.
Employer Match
If you earn $80,000 and your employer matches 3%, that's $2,400 of 'free money' added to your retirement savings every year.
Common Questions
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