401(k) calculator

Project your 401(k) balance at retirement with employer match, salary raises, and 2026 IRS contribution limits. Year-by-year growth table.

In Browser Calculator Finance

Current age

Retirement age

Annual salary ($)

Expected raise (%/yr)

Current 401(k) balance ($)

Your contribution (% of salary)

Employer match (% of your contribution)

Match limit (% of salary)

Annual return (%)

Inflation (%/yr)

Cap contributions at the 2026 IRS limit ($24,500, plus $8,000 catch-up from age 50)

How to use 401(k) calculator

Project your 401(k) balance at retirement from your salary, contribution rate, employer match, and expected return.

Employer match as a percentage of your contribution, up to a share of salary (for example 50% up to 6%)
Optional cap at the 2026 IRS employee limit of $24,500, with the $8,000 catch-up from age 50 and $11,250 for ages 60–63
Annual raises, and the result shown in today's dollars
Year-by-year breakdown of your money, your employer's money, and growth

Is 401(k) calculator free?

401(k) calculator is a free online tool on ReallyUseful.Tools. No account is required.

Does 401(k) calculator run in my browser?

401(k) calculator is designed to run in your browser where supported, so files can stay on your device instead of being uploaded to a server.

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