401k Calculator - freecalculator

401(k) Calculator

Estimate retirement savings using salary, contributions, employer match, investment return, fees, inflation, and 2026 limit settings.

Uses 2026 IRS limit settings for planning

Currency

Current Age

Retirement Age

Current 401(k) Balance

Annual Salary

Annual Salary Growth (%)

Contribution Mode

Employee Contribution (%)

Annual Contribution Increase

Employer Match (%)

Match Up To Salary (%)

Expected Annual Return (%)

Annual Fee (%)

Inflation Rate (%)

Marginal Tax Rate (%)

Contribution Type

Apply 2026 Limits

Schedule Rows

Estimated Balance at Retirement $0

Retirement summary

Balance Breakdown Current balance + contributions + growth

Current Balance Employee Contributions Employer Match Investment Growth

Retirement Balance$0

Inflation-Adjusted Value$0

Years to Retirement0

Total Employee Contributions$0

Total Employer Match$0

Investment Growth$0

First Year Employee Contribution$0

First Year Employer Match$0

First Year Tax Savings$0

Monthly Contribution$0

Contribution Limit Used$0

Income Replacement Estimate0 years

This calculator is for planning only, not financial or tax advice. Results can change because of market returns, fees, tax rules, salary changes, employer match rules, vesting, withdrawals, and future contribution-limit changes.

Yearly 401(k) Projection

Year	Age	Salary	Employee Contribution	Employer Match	Tax Savings	Growth	Ending Balance