See what your 401(k) could be worth at retirement, and how much of it your employer match adds.
A 401(k) calculator projects what your workplace retirement account could be worth at retirement, including the powerful boost from your employer's match. Enter your salary, contribution rate, and expected return to see your balance grow, split by contributions, match, and investment growth.
An employer match is the closest thing to free money in personal finance. Many employers match 50% or 100% of what you contribute, up to a percentage of salary, an instant, guaranteed return you can't get anywhere else. If your plan matches up to 6%, contributing at least 6% is almost always the right first move, before any other investing. This calculator splits your projected balance into your contributions, the employer match, and investment growth so you can see how much of the total is match.
401(k) balances grow from three things: what you put in, what your employer adds, and decades of compounding on top. Because the earliest dollars have the most years to grow, raising your contribution rate a single percentage point in your 30s can outweigh much larger contributions later. Annual raises help too, bumping your contribution whenever your pay rises is a nearly painless way to save more.
It depends on your contributions, employer match, years invested, and return. Enter your details above for a projection broken down by source.
Many employers match a portion of what you contribute, often 50% or 100% up to a percentage of salary. It's essentially free money and one of the best returns available.
Almost always yes, not capturing the full match leaves guaranteed money on the table. Set your contribution to at least the match threshold.
See the exact formula and a worked example on our methodology page.