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401(k) Calculator
Estimate how your contribution and an employer match could add up over time. Enter the terms from your plan; this simple scenario is not a forecast.
How does this 401(k) calculator estimate the match?
It applies your match rate to the smaller of your contribution percentage and the eligible salary percentage you enter. It then projects monthly deposits using your assumed annual return.
Frequently asked questions
How does this 401(k) calculator estimate the match?
It applies your match rate to the smaller of your contribution percentage and the eligible salary percentage you enter. It then projects monthly deposits using your assumed annual return.
Are my salary and savings uploaded?
No. The estimate runs in this browser; the tool does not upload or save your inputs.
How is an employer match calculated?
The estimate uses the match rate and eligible salary percentage that you enter. For example, a 50% match on a $4,000 eligible contribution is $2,000. Your plan may use different rules.
Does this check current 401(k) contribution limits?
No. Contribution limits and plan rules can change. This calculator does not check IRS limits, tax treatment or eligibility. Review current official guidance and your plan documents.
Is the projected balance guaranteed?
No. Returns are assumptions, not predictions. Actual investments can rise or fall, and fees, taxes, timing and plan rules affect results.