Retirement 401(k) Calculator
Plan your retirement with comprehensive 401(k) projections. Calculate employer matching benefits, factor in contribution limits, and visualize tax-deferred growth toward retirement readiness.
Financial Disclaimer
This calculator is for informational and educational purposes only.
- Not Financial Advice: The information provided does not constitute financial, investment, tax, or legal advice.
- Consult a Professional: Always consult with a qualified financial advisor, tax professional, or retirement planner before making investment decisions.
- Projections Not Guaranteed: Future investment returns are estimates only and actual results may vary significantly. Past performance does not guarantee future results.
- Tax Implications: Tax laws are complex and subject to change. Consult a tax professional for advice specific to your situation.
- Individual Circumstances: Your personal financial situation, risk tolerance, and retirement goals should be evaluated with a professional advisor.
- No Liability: We assume no liability for decisions made based on this calculator. Use at your own discretion.
Your age today
When you plan to retire
Your current 401(k) savings
Your annual gross income
Percentage of salary to contribute
2024 limit: $23,000 (under 50), $30,500 (50+)
How your employer matches
e.g., 50% match
e.g., up to 6% of salary
Typical: 6-8% (stocks), 3-5% (bonds)
Your marginal federal tax bracket
Enter your information above to see your 401(k) projections
Get comprehensive retirement planning insights with employer matching optimization
Employer Match Optimization
Calculate how much employer matching you're getting and optimize contributions to capture full benefits
Contribution Limits
Track 2024 contribution limits ($23,000) and catch-up contributions for those 50+ ($30,500)
Retirement Readiness
See projected retirement balance and determine if you're on track for your retirement goals