FinCalcKit
Retirement Planning

401(k) Calculator

See your projected balance at retirement, how much comes from your contributions vs. employer match vs. growth, and an estimated monthly income.
Projected Balance at Retirement —
Your Total Contributions —
Total Employer Match —
Investment Growth —
Est. Monthly Income (4% Rule) —
Years to Retirement —

How your 401(k) grows

Your 401(k) grows from three sources: your own contributions, your employer's matching contributions, and investment returns compounding over time. The earlier you start — and the more you capture of your employer's match — the bigger the difference compounding makes over decades.

Employer match: free money you don't want to leave behind

A typical match is "50% up to 6% of salary." That means if you earn $75,000/year and contribute at least $4,500 (6%), your employer adds $2,250 (50% of your 6%). That's an immediate 50% return on those dollars before any investment growth — the closest thing to free money in personal finance.

The 4% rule for retirement income

The estimated monthly income uses the "4% rule" — a widely cited guideline suggesting you can withdraw 4% of your balance in year one (adjusted for inflation thereafter) with a low risk of running out of money over a 30-year retirement. It's a planning benchmark, not a guarantee.

2026 contribution limits

The IRS 401(k) contribution limit for 2026 is $23,500 ($31,000 if you're 50 or older and eligible for catch-up contributions). This calculator doesn't enforce those limits — enter what you plan to contribute and adjust as needed.