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401(k) Calculator

Work out how your 401(k) retirement account grows with employer match and compound interest - locally, no upload.

This calculator gives a non-binding, model-based estimate and is not financial, tax or legal advice. More in the disclaimer
Current age
Retirement age
Current balance
Annual salary
Employee contribution
Employer match up to
Expected return (annual)

Result

$1,243,216.25
Final balance
$256,250.00
Contributions
$986,966.25
Interest earned
$78,750.00
Employer match

Capital growth

Capital growth
#Wert
120000
228417
337442
447119
557496
668624
780555
893349
9107068
10121779
11137553
12154468
13172605
14192054
15212908
16235270
17259249
18284961
19312531
20342095
21373796
22407789
23444238
24483323
25525234
26570174
27618362
28670035
29725442
30784856
31848564
32916877
33990129
341068676
351152902
361243216

Year by year

Year by year
YearContributionsInterestBalance
1$26,750.00$1,666.63$28,416.63
2$33,500.00$3,941.70$37,441.70
3$40,250.00$6,869.19$47,119.19
4$47,000.00$10,496.27$57,496.27
5$53,750.00$14,873.51$68,623.51
6$60,500.00$20,055.14$80,555.14
7$67,250.00$26,099.31$93,349.31
8$74,000.00$33,068.37$107,068.37
9$80,750.00$41,029.18$121,779.18
10$87,500.00$50,053.43$137,553.43
11$94,250.00$60,218.01$154,468.01
12$101,000.00$71,605.34$172,605.34
13$107,750.00$84,303.83$192,053.83
14$114,500.00$98,408.24$212,908.24
15$121,250.00$114,020.23$235,270.23
16$128,000.00$131,248.76$259,248.76
17$134,750.00$150,210.70$284,960.70
18$141,500.00$171,031.36$312,531.36
19$148,250.00$193,845.11$342,095.11
20$155,000.00$218,796.02$373,796.02
21$161,750.00$246,038.60$407,788.60
22$168,500.00$275,738.50$444,238.50
23$175,250.00$308,073.36$483,323.36
24$182,000.00$343,233.68$525,233.68
25$188,750.00$381,423.69$570,173.69
26$195,500.00$422,862.42$618,362.42
27$202,250.00$467,784.72$670,034.72
28$209,000.00$516,442.42$725,442.42
29$215,750.00$569,105.54$784,855.54
30$222,500.00$626,063.63$848,563.63
31$229,250.00$687,627.20$916,877.20
32$236,000.00$754,129.15$990,129.15
33$242,750.00$825,926.50$1,068,676.50
34$249,500.00$903,402.04$1,152,902.04
35$256,250.00$986,966.25$1,243,216.25
Is my file uploaded?

No. Everything runs in your browser - your file never leaves your device. How this is verifiable

No upload100% local
Your content stays with youno third-party access
Hosted in GermanyGlobal Content Delivery
Independently auditedTLS A+ · HTTP headers A+

A 401(k) is the most common employer-sponsored retirement account in the US: a percentage of salary flows in automatically, many employers match a portion of it, and the balance grows over the years with compound interest. This calculator projects how large the account becomes by your chosen retirement age.

The calculation runs entirely locally in your browser, in pure JavaScript - nothing is uploaded or stored. Your salary and contribution rate give your own annual contribution; the employer matches it dollar-for-dollar up to the limit you enter. Both contributions grow month by month at the expected return. It shows the final balance, total contributions, the growth and the total employer match.

An honest note: this is a model-based projection, not investment advice or a guarantee. It assumes a constant, smooth return - real markets fluctuate. The IRS contribution limits (2025 confirmed: $23,500, plus the 50+ catch-up) are not enforced as a hard cap here and should be checked yourself. Tax effects on withdrawal are not included.

Specifications

Specifications
Input formatsForm inputs (no file)
ProcessingLocally in your browser (JavaScript)
File uploadNone

In 3 steps

  1. Enter your age, retirement age and current balance.
  2. Adjust salary, contribution rate and employer match.
  3. Read off the final balance, contributions and growth.

Limitations: A model-based projection with a constant return, not investment advice. IRS contribution limits are not enforced as a hard cap - check the current annual limit yourself. Tax effects on withdrawal are not included.

FAQ

Does my salary leave my device?

No, the entire calculation runs locally in your browser - nothing is uploaded or stored.

What is an employer match?

Many employers add money of their own on top of your own contribution, often dollar-for-dollar up to a percentage of your salary - effectively free money.

What is the IRS contribution limit?

Confirmed for 2025: $23,500 employee contribution, plus a $7,500 catch-up from age 50 ($11,250 for ages 60-63). Check the current year's actual limit yourself.

Is the return guaranteed?

No, the calculator assumes a constant average return - real investments fluctuate yearly, including downward.

Are taxes on withdrawal included?

No, a traditional 401(k) is taxed as income when withdrawn in retirement - this calculator does not model that.

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