401(k) Retirement Calculator
Project your 401(k) balance at retirement based on your current balance, contributions, employer match and expected return.
Projected Balance at Retirement
$1,458,339
- Total contributions
- $273,000
- Total growth
- $1,160,339
Assumptions
- Constant contribution and return rate every year
- Employer match modeled as a simple added monthly amount, not capped by IRS/plan limits
How it's calculated
Future value = principal × (1+r)^n + contribution × ((1+r)^n − 1) / r, compounded monthly.
Worked example
Starting at $25,000 with $650/month combined contributions at a 7% return over 35 years grows substantially, shown live above.
Frequently asked questions
Does this account for IRS contribution limits?
No — this is a simplified projection. Real contributions are capped by annually-updated IRS limits.