401(k) Calculator (with Employer Match)

401(k) calculator: your balance at retirement from salary, contribution, employer match, raises and investment return.

Bt+1 = Bt(1 + g) + S·(c + match)

How to use this calculator

  1. Type your input in the box.
  2. The result updates as you type.
  3. Use “Copy result” or “Copy link” to share it.

Each year your contribution and the employer match (for example 50 % of what you put in, up to 6 % of salary) are added and the balance grows at the return you enter.

Contribute at least enough to get the full match — it is an instant return on your money.

Estimates for planning only; not financial advice. Your lender’s or provider’s figures may differ.

Frequently asked questions

Age 30, $20,000 saved, $70,000 salary, 6 % with a 50 % match up to 6 %, 7 % return, 2 % raises, retire at 67?

About $1.52 million, of which about $227,000 comes from your contributions and $113,000 from the match.

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