See what your workplace plan could grow to with contributions and the employer match.
This calculator projects the value of a 401(k) or other qualified plan at retirement from your current balance, ongoing contributions, employer match, years remaining, and an assumed return.
The tool grows your current balance while adding your yearly contributions and any employer match, compounding the total at the return you enter. Contributions are figured as a percentage of salary, and the match is added on top up to the plan's limit. Over many years, compounding and the employer match often account for a large share of the final balance.
The projection assumes a steady return and constant salary, which real markets and careers rarely deliver. It does not model annual IRS contribution limits, salary growth, fees, or taxes owed on future withdrawals, so the result is an illustration rather than a guarantee. Use it to compare scenarios, such as raising your contribution rate, rather than as a precise forecast. Not financial advice.
Yes, the match is added to your contributions each year up to the percentage you enter.
Over decades, compounding magnifies even a one-point difference in return into a large gap in the final balance.
No, the tool does not enforce annual IRS limits, so check that your inputs stay within them.
See the exact formula and a worked example on our methodology page.