401(k) Contribution Calculator
Estimate annual contributions, employer match, and potential long-term 401(k) growth.
This tool does not enforce IRS contribution limits or plan-specific rules. Verify current limits and your employer plan documents.
Want to understand the assumptions behind this tool? See our Calculator Methodology →
How to Use the 401(k) Contribution Calculator
Enter your salary, contribution percentage, employer matching formula, current balance, years to invest, and an assumed annual return. The calculator estimates your annual employee contribution, employer match, and potential future balance.
Understanding Employer Match
An employer match can significantly increase the amount going into a workplace retirement plan. Match formulas vary by employer, so use your plan documents for the correct percentages and eligibility rules.
Related: Retirement Planning, Compound Interest Calculator, and the Million-Dollar Goal Calculator.
For educational purposes only. This calculator does not provide tax, investment, or retirement-plan advice.