401K Calculator
| Your Annual Contribution | - |
| Employer's Annual Match | - |
| Total Contributed Over Period | - |
How the 401K Calculator Works
This calculator adds your own contribution and your employer match (up to the percentage they match) to find your total monthly contribution, then grows your current balance plus those contributions at your expected annual return, compounded monthly, until retirement.
How to Use This Calculator
- Fill in the input fields with your own numbers.
- Click Calculate to instantly see your result.
- Change any value and recalculate as many times as you like - there is no limit on usage.
How to Print or Save This Page as a PDF
- Fill in your values and click Calculate.
- Click the Print link at the top of the page.
- In the print dialog, choose "Save as PDF" as the destination, keeping "Background graphics" turned on.
Frequently Asked Questions
Does employer match count as free money?
Yes - contributing at least enough to get the full employer match is generally considered one of the highest-return moves in retirement planning, since it is an immediate return on top of any market growth.
Is this 401K Calculator free to use?
Yes, completely free, with no registration, download, or watermark - just enter your numbers and get an instant result.
Is my data stored or sent anywhere?
No - every calculation on this page runs locally in your own browser using JavaScript; nothing you type is uploaded, logged, or stored on any server.
Does this work on mobile phones?
Yes, the layout automatically adjusts for phones and tablets, so you can use this calculator on any device with a modern web browser.
Can I rely on this for financial or legal decisions?
This tool is designed to give a fast, well-informed estimate for everyday use. For decisions with financial or legal consequences, always confirm the figures with a qualified professional.