401(k) Calculator
Employee max (2025): $23,500 — Catch-up applied: $0
401K Calculator
The 401(k) Calculator estimates your retirement balance and potential income based on your contributions, employer match, salary growth, investment return, and IRS limits. It is intended for U.S. residents planning their retirement savings.
Enter your details
Provide your age, salary, 401k balance, and how much you contribute each year.
Adjust key factors
Set your employer match, salary growth, expected return, and IRS contribution limits.
View your results
Instantly see your projected savings, retirement income, and early withdrawal impact. You’ll be able to download the report using Excel or PDF format.
Frequently Asked Questions
- What is a 401k calculator and how does it work?
A 401k calculator estimates your retirement savings by considering your contributions, employer match, salary growth, investment returns, and IRS limits. It shows both your projected balance at retirement and potential income during retirement.
- Can this 401k calculator include early withdrawals?
Yes, the calculator lets you model early withdrawals. It provides estimates for taxes, penalties, and net cash if you withdraw funds before retirement age.
- Does the 401k calculator use updated IRS limits?
The calculator is updated annually with the latest IRS contribution limits and catch-up rules, ensuring accurate projections for retirement savings in the U.S.
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