401K Calculator
Estimate your 401(k) balance at retirement with employer match and contributions.
401K Calculator
Estimate your 401(k) balance at retirement with employer match and contributions.
Retirement Savings Formula
ℹ️ Based on consistent contributions and stable return rate. Inflation not accounted for.
Disclaimer
Results provided by this calculator are for informational and educational purposes only. They are based on the values you enter and standard formulas, and should not be considered financial, medical, legal, or professional advice. Always consult a qualified professional before making important decisions based on these results. Roughtools makes no warranties regarding the accuracy or completeness of these calculations for your specific situation.
Frequently Asked Questions
Pro Tips
The difference between starting at 25 vs 35 with the same monthly contribution is not 10 years — it's often double the final balance. The first decade of compounding is the most powerful.
If your employer matches 401k contributions, that's a guaranteed 50–100% return on that money before it even invests. Never leave employer match unclaimed.
Use a 3% withdrawal rate instead of 4% if you plan to retire before 60 — a 40-50 year retirement needs more conservative withdrawals to avoid running out of money.
Run this calculator with pessimistic inputs (5% return, 30-year retirement) and optimistic inputs (8%, 20 years). The range tells you how much buffer you need.
When to Use This Calculator
See how $200–500/month in your 20s can grow to over $1M by retirement with compound growth.
Assess whether your current savings rate will hit your retirement target and calculate the gap.
Model retirement at 55 or 50 to find out what savings rate achieves financial independence early.
Compare 6% vs 10% 401k contributions to quantify the long-term impact of a higher savings rate.
Find out how much monthly income your projected balance will produce using the 4% rule.
About the 401K Calculator
This 401(k) calculator projects your retirement account balance including employee contributions, employer matching, and compound investment growth. Enter your salary, contribution percentage, employer match details, current balance, and years to retirement to see your projected nest egg. Built for employees maximizing workplace retirement benefits and planning for financial independence.
How to Use the 401K Calculator
- 1
Enter your current annual salary.
- 2
Enter your 401(k) contribution percentage (max 2024: $23,000 or $30,500 if 50+).
- 3
Enter your employer match (e.g. 50% match on first 6% of salary).
- 4
Enter your current 401(k) balance and expected return rate.
- 5
Enter years until retirement to see your projected total balance.
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