401(k) Calculator
Calculate your 401(k) retirement savings with employer matching contributions. Plan your future with our free retirement calculator tool.
Your Contribution
Employer Match
Growth & Timeline
Projection
Tax Savings
The 22% figure assumes every eligible pretax contribution reduces income taxed at 22%, without bracket interaction. It is not a universal saving and does not apply to Roth contributions in the same way. Annual statutory limits, plan eligibility, vesting, payroll taxes and catch-up rules are not determined.
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Scenario guide
Model employee deposits, a conditional employer match and an explicit tax assumption.
Method and posting
Annual employee amount = salary × contribution rate. Match = salary × min(contribution rate, match limit) × match percentage. Annual cents are allocated across month-end deposits so twelve deposits reconcile. Monthly return is annual rate ÷ 12.
Amounts post to two decimal places. Totals use the posted amounts; final loan payments can differ from the regular payment. Use the same currency for every input. A display currency or language does not select a jurisdiction. Rounding ties are away from zero; input amounts round from their decimal representation.
Arithmetic example
10000 × 10% = 1000; 10000 × 6% × 50% = 300; 1300.
Assumptions and limits
The 22% figure assumes every eligible pretax contribution reduces income taxed at 22%, without bracket interaction. It is not a universal saving and does not apply to Roth contributions in the same way. Annual statutory limits, plan eligibility, vesting, payroll taxes and catch-up rules are not determined.
Use anonymous amounts and neutral position names. Copy and CSV controls include the entered position data. Page, account and advertising features have separate data policies; this calculator is not a guarantee of privacy.
Reference scope: cached primary documentation recorded on 2026-10-21, not freshly verified advice. IRS Topic 409 thresholds in that cache concern 2025. CFPB PMI guidance was reviewed 2026-08-28 and modified 2026-08-31; it concerns qualifying borrower-paid conventional PMI, with conditions.
About 401(k) Calculator
Model employee deposits, a conditional employer match and an explicit tax assumption. Annual employee amount = salary × contribution rate. Match = salary × min(contribution rate, match limit) × match percentage. Annual cents are allocated across month-end deposits so twelve deposits reconcile. Monthly return is annual rate ÷ 12.
Use Cases
How to use
Enter salary and contribution percentage.
Set the employer match percentage and the salary percentage eligible for matching.
Enter current balance, whole years and assumed return.
Compare employee deposits, employer deposits and growth.
Read tax amounts only as the stated 22% pretax scenario.
Pro Tips
- Enter your values carefully — small differences in inputs can lead to large changes in the 401k Calculator result, especially for long time periods.
- Use the 401k Calculator to compare multiple scenarios side by side. Open the tool in several tabs to see how different assumptions impact your outcome.
- Bookmark this 401k Calculator and return whenever your situation changes — small updates in income, rates, or expenses are easy to recompute.
- Use anonymous amounts and neutral position names. Copy and CSV controls include the entered position data. Page, account and advertising features have separate data policies; this calculator is not a guarantee of privacy.
- Combine this 401k Calculator with our other financial tools (loan, tax, budget calculators) for a more complete financial picture.
Frequently Asked Questions
No. The match follows the contributed portion up to the entered match limit.
Yes. Projected employee and employer deposits are zero; the annual tax figure is a separate hypothetical annual amount.