Português
Español401(k) calculator
Enter your age, salary, how much you contribute and your employer match. The calculator projects your balance year by year until retirement.
How much will my 401(k) be worth?
Everything happens on your device: nothing is uploaded to the internet.
The projection does not include inflation, fees or taxes on withdrawals, and returns are not guaranteed.
Available in: 
401(k) calculator: what it is for
The 401(k) calculator projects your balance at retirement from your salary, the percentage you contribute, your employer match, raises and the expected return. It applies the yearly IRS contribution limit and shows how much came from you, from your employer and from investment growth.
Try raising your contribution by 1% to see how much it changes your retirement.
How to use
- Enter your age, salary and current balance.
- Enter your contribution and employer match.
- See your projected balance at retirement.
When to use it
- Choosing how much to contribute.
- Making sure you get the full employer match.
- Planning retirement income.
Frequently asked questions
What is the 401(k) limit for 2026?
Employees can contribute up to $24,500 in 2026. If you are 50 or older you can add a catch-up contribution of $8,000, and from age 60 to 63 the catch-up is $11,250. Employer contributions do not count toward your own limit.
How does an employer match work?
A common match is 50% of what you contribute up to 6% of your salary, or 100% up to 3% or 4%. Contributing at least enough to get the full match is like getting a raise.
What return should I use?
Long-term stock market returns have averaged around 7% a year after inflation in the past, but returns change every year and are not guaranteed. Try a lower rate to see a more conservative result.
Is it really free?
Yes, 100% free. No sign-up, no subscription and no usage limits. All Tools123 tools are free and run right in your browser.