Retirement & 401(k) Calculator

◆ CALCULATOR

Retirement / 401(k)

Project your nest egg, and see how much of it is growth, not just what you put in.

Try an example

You today

Current Age

yrs

Retirement Age

yrs

Current Balance

Annual Salary

Contributions & match

Your Monthly Contribution

Employer Match

Match Up To (% of Salary)

Assumptions

Annual Return Rate

Inflation Rate

Projected Nest Egg at Age 65

$1,465,168

Your Contributions

$235,000

Employer Match

$63,000

Investment Growth

$1,167,168

Balance

x	Balance
Age 31	$34,909
Age 32	$45,535
Age 33	$56,929
Age 34	$69,147
Age 35	$82,247
Age 36	$96,295
Age 37	$111,359
Age 38	$127,511
Age 39	$144,831
Age 40	$163,403
Age 41	$183,318
Age 42	$204,672
Age 43	$227,570
Age 44	$252,123
Age 45	$278,451
Age 46	$306,682
Age 47	$336,955
Age 48	$369,415
Age 49	$404,223
Age 50	$441,546
Age 51	$481,568
Age 52	$524,482
Age 53	$570,499
Age 54	$619,843
Age 55	$672,754
Age 56	$729,489
Age 57	$790,326
Age 58	$855,561
Age 59	$925,512
Age 60	$1,000,519
Age 61	$1,080,949
Age 62	$1,167,193
Age 63	$1,259,672
Age 64	$1,358,836
Age 65	$1,465,168

Compare: starting 5 years later

Past 50 you can contribute extra (catch-up). Check current IRS limits.

How to use this calculator

Enter your current and target retirement ageThe gap is your years of compounding.
Add your balance, contribution, and employer matchAlways contribute enough to capture the full match, it's free money.
Set an expected returnAbout 6–7% is a common long-run assumption for a diversified portfolio.

Retirement saving rewards two habits above all: starting early and capturing every dollar of the employer match. Over a long career, compounding growth usually dwarfs the total you personally contribute.

◆ Frequently Asked Questions

How much should I contribute to my 401(k)?

At a minimum, contribute enough to capture the full employer match, since that match is an immediate return on your money. Beyond that, many people aim for 10% to 15% of pay, including the match.

Why does the employer match matter so much?

It is money your employer adds when you contribute, often 50% or 100% up to a limit. It is part of your pay, so not capturing the full match leaves guaranteed money on the table.

What return rate should I assume?

About 6% to 7% per year is a common long-run assumption for a diversified portfolio. Returns vary widely year to year, so treat the projection as a planning estimate, not a promise.

Should I choose a traditional or Roth 401(k)?

A traditional 401(k) lowers your taxes now and is taxed when you withdraw. A Roth is funded with after-tax money and grows tax-free. Roth often favors younger savers who expect higher income later.

◆ Sources

Balance

Age 31

$34,909

Age 32

$45,535

Age 33

$56,929

Age 34

$69,147

Age 35

$82,247

Age 36

$96,295

Age 37

$111,359

Age 38

$127,511

Age 39

$144,831

Age 40

$163,403

Age 41

$183,318

Age 42

$204,672

Age 43

$227,570

Age 44

$252,123

Age 45

$278,451

Age 46

$306,682

Age 47

$336,955

Age 48

$369,415

Age 49

$404,223

Age 50

$441,546

Age 51

$481,568

Age 52

$524,482

Age 53

$570,499

Age 54

$619,843

Age 55

$672,754

Age 56

$729,489

Age 57

$790,326

Age 58

$855,561

Age 59

$925,512

Age 60

$1,000,519

Age 61

$1,080,949

Age 62

$1,167,193

Age 63

$1,259,672

Age 64

$1,358,836

Age 65

$1,465,168

◆ Frequently Asked Questions

How much should I contribute to my 401(k)?

At a minimum, contribute enough to capture the full employer match, since that match is an immediate return on your money. Beyond that, many people aim for 10% to 15% of pay, including the match.

Why does the employer match matter so much?

It is money your employer adds when you contribute, often 50% or 100% up to a limit. It is part of your pay, so not capturing the full match leaves guaranteed money on the table.

What return rate should I assume?

About 6% to 7% per year is a common long-run assumption for a diversified portfolio. Returns vary widely year to year, so treat the projection as a planning estimate, not a promise.

Should I choose a traditional or Roth 401(k)?

A traditional 401(k) lowers your taxes now and is taxed when you withdraw. A Roth is funded with after-tax money and grows tax-free. Roth often favors younger savers who expect higher income later.

Retirement / 401(k)

How to use this calculator

◆ Frequently Asked Questions

How much should I contribute to my 401(k)?

Why does the employer match matter so much?

What return rate should I assume?

Should I choose a traditional or Roth 401(k)?

Keep reading

Self-Employed Retirement Plans: SEP-IRA vs. Solo 401k Coverage Options and Limits

How Much Do You Need to Retire? Finding Your Real Number

Deductions and Credits: Understanding the Difference and Maximizing Tax Breaks

◆ Sources

Money, made clear

Retirement / 401(k)

How to use this calculator

◆ Frequently Asked Questions

How much should I contribute to my 401(k)?

Why does the employer match matter so much?

What return rate should I assume?

Should I choose a traditional or Roth 401(k)?

Keep reading

Self-Employed Retirement Plans: SEP-IRA vs. Solo 401k Coverage Options and Limits

How Much Do You Need to Retire? Finding Your Real Number

Deductions and Credits: Understanding the Difference and Maximizing Tax Breaks

◆ Sources

Money, made clear