401(k) Retirement Calculator
Plan your future. See how your 401(k) balance will grow over time with compound interest.
401(k) Details
Estimated Balance at Age 65
$2,023,304
In 35 years
Retirement Savings Breakdown
* This calculator provides an estimate for educational purposes only. It does not account for inflation, taxes upon withdrawal, or IRS contribution limits.
Maximizing Your 401(k) Growth
A 401(k) is one of the most powerful tools for building wealth in the United States. Because contributions are made pre-tax (for traditional 401(k)s) and the investments grow tax-deferred, your money compounds much faster than it would in a standard taxable brokerage account.
The Power of the Employer Match
If your employer offers a matching contribution, always contribute at least enough to get the full match. For example, if your company matches 100% of your contributions up to 3% of your salary, contributing 3% means you instantly double your investment. Not taking the match is literally leaving free money on the table.
Frequently Asked Questions
An employer match is when your company contributes a certain amount to your 401(k) plan based on your own contributions. It is essentially "free money" for your retirement.
Financial experts generally recommend saving 10% to 15% of your pre-tax income for retirement. At a minimum, you should contribute enough to get your full employer match.
Historically, the stock market has returned about 7% to 10% annually after inflation. A 6% or 7% return rate is a common conservative estimate for long-term retirement planning.