By CalculatorInn Team · Updated: 2026-03-22 · Free & accurate · Instant results
Estimate your 401(k) balance at retirement based on your current savings, monthly contributions, employer match, and expected rate of return.
Interactive 401(k) Calculator
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FV = PV × (1 + r)^n + PMT × ((1 + r)^n − 1) / r
Where PV is the current balance, PMT is total monthly contribution (yours + employer match), r is monthly rate of return, and n is total months until retirement.
Input: Balance: $0, Contribution: $300/mo, 100% match, 8% return, 40 years
$1,864,518
Starting at age 25 with $300/month and full employer match grows to nearly $2M by 65.
A 401(k) is an employer-sponsored retirement savings plan that allows employees to invest pre-tax income. Many employers match a portion of your contributions.
At minimum, contribute enough to get your full employer match — it's free money. Financial advisors generally recommend saving 15% of gross income for retirement.
The annual 401(k) contribution limit is $23,500 for those under 50, and $31,000 for those 50 and older (includes $7,500 catch-up contribution).
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