Benefits From Contributing To A 401(k) Calculator

Estimate how your 401(k) savings could grow, including contributions from you and your employer.

Your 401(k) details

Current annual gross salary

Annual salary increase (%)

Years until retirement

Your 401(k) contribution (% of salary)

Current 401(k) balance ($)

Estimated annual investment return (%)

Employer match rate (%)

Example: Enter 50 if your employer adds $0.50 for each $1 you contribute.

Employer match cap (% of salary)

Maximum employer contribution as a percentage of salary. For “50% of the first 6%,” enter 50 above and 3 here.

CalculateReset

Projected balance at retirement

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Based on your savings and investment assumptions.

Starting balance

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Your contributions

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Employer contributions

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Investment growth

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How your 401(k) could grow

Projected account balance by year, broken down by source.

Starting balanceYour contributionsEmployer contributionsInvestment growth

Illustrative estimates only. Assumes a constant annual return, no withdrawals or fees, and contributions made at the beginning of each year. The employer match is subject to a cap expressed as a percentage of salary. Does not apply IRS annual contribution limits, catch-up rules, vesting schedules, or taxes. Values are future dollars, not inflation-adjusted.

How does your 401(k) fit into your retirement plan?

WealthTrace lets you project retirement income, taxes, investments, and withdrawals together.

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Your 401(k) is only one part of your retirement plan. With WealthTrace Retirement Planning Software, you can project your retirement savings, Social Security, taxes, and investment withdrawals to see how they work together.

Start a free trial to see whether you're on track to meet your retirement goals.

401(k) Calculator Definitions

Current Gross Income

Your current annual salary before taxes and deductions.

Annual Salary Increase (%)

The percentage you expect your salary to increase each year. For example, enter 3% if you expect an average annual raise of 3%.

Years Until Retirement

The number of years you plan to continue working and contributing to your 401(k).

401(k) Contribution (% of Gross Income)

The percentage of your annual salary you contribute to your 401(k).

For example, if you earn $100,000 and contribute 6%, you'll contribute $6,000 annually.

Current 401(k) Balance

The total amount currently invested in your 401(k), including previous contributions, employer matching contributions, and investment earnings.

Annual Rate of Return (%)

The average annual investment return you expect your 401(k) to earn.

The calculator assumes a constant annual return. Actual investment performance will vary.

Company Match (%)

The percentage of your eligible contributions your employer matches.

For example, if your employer matches 50% of your contributions and you contribute $6,000 annually, your employer contributes $3,000, subject to the plan's matching limit.

Maximum Company Match (%)

The maximum percentage of your salary your employer will contribute as matching funds.

For example, if your salary is $100,000, your company matches 50% of your contributions, and its maximum matching contribution is 3% of salary, your employer can contribute up to $3,000 annually.

To receive the full $3,000 match, you would need to contribute at least 6% of your salary.

Calculator results are estimates based on your assumptions. Actual results will depend on investment performance, your employer's matching rules, contribution limits, and other factors.

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Make the Most of Your 401(k)

Enter your contribution and employer match to see how much you could build by retirement.

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