401(K) Calculator Plan Your Retirement Savings with Detailed Growth Projections

401(K) Calculator

Current Age

Retirement Age

Annual Salary

Current 401(K) Balance

Monthly Contribution (% of Salary)

Employer Match Rate (%)

Employer Match Limit (% of Salary)

Expected Annual Return (%)

Salary Increase Per Year (%)

Inflation Rate Per Year (%)

Currency

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✅ What Is a 401(k) Calculator?

A 401(k) calculator estimates how much our retirement savings will grow over time. We enter details like current balance, age, salary, contribution %, employer match, and expected returns. The calculator then shows our projected balance at retirement.

✅ How Can This 401(k) Calculator Help Us?

We Get:

A forecast of our balance at retirement
Total contributions, both ours and employer’s
Investment returns over time
A year-by-year growth schedule
A pie chart breaking down sources of our retirement fund
This helps us plan wisely and track progress.

✅ What’s the Benefit of This Calculator?

It helps us:

Plan our savings so we reach target goals
Maximize employer matching
See how salary increases and returns build wealth
Understand exactly where our money comes from—ours, employer’s, and investment growth

✅ 401(k) Calculator Example

For instance, imagine we’re 30 today and plan to retire at 67. With a $70,000 annual salary and a current 401(k) balance of $30,000, we contribute 10% of our salary each month while our employer matches 50% of contributions up to 3% of salary. Assuming a 6% annual return, a 3% yearly salary increase, and 3% inflation, here’s what happens by retirement:

Balance at Retirement: We’d have about $1,820,886.26 in our 401(k).
Total Contributions: Together, we and our employer would have put in $562,702.49.
Employee Contributions: Our own payments would total $493,219.56.
Employer Match Total: Our employer’s matching contributions would add $69,482.93.
Investment Returns: Growth from market returns alone would amount to $1,258,183.77

✅ Guide to Using Our Calculator

Enter current age and retirement age
Add current salary, 401(k) balance
Input contribution % and employer match rate/limit
Enter expected annual return, salary growth, inflation rate
Select currency, then click “Calculate”
See results:
- Final balance
- Employee vs employer contributions
- Investment returns
- Pie chart breakdown
- Expandable yearly schedule

✅ Specific Features of This Calculator

Includes both employee + employer contributions
Accounts for annual salary increases
Calculates investment growth
Offers detailed growth schedule by year
Displays a pie chart with clear visual breakdown
Supports various currencies to match our needs

✅ When to Use This 401(k) Calculator?

Use it when we:

Plan retirement savings and want to reach a goal
Want to maximize employer matching
Track yearly growth of contributions and investments

✅ Summary

Our 401(k) calculator is a helpful planning tool that shows:

Retirement balance forecast
Total and source contributions
Investment growth
Year-by-year breakdown with visuals

Use it to make smart saving decisions and confidently plan for retirement!