401K Calculator - Start Planning for a Secure Retirement Today
Plan your retirement savings with our comprehensive 401k calculator. See how contributions, employer matches, and investment growth can add up over time.
401(k) Parameters
Personal Information
401(k) Details
Investment Details
401(k) Projection Results
401(k) Insights
- $
Your employer match is worth $0 - that's free money toward your retirement! You're getting 50% match on the first 6% of your salary that you contribute.
- %
Investment growth accounts for 0% of your final balance - consider increasing your contributions to benefit more from compound growth.
- ≡
Recommendations: You're getting the full employer match. Consider increasing your contributions to 15% or more for a more comfortable retirement.
401(k) Contribution Limits
| Year | Employee Limit | Standard Catch-Up (50+) | Super Catch-Up (60-63) | Total Limit |
|---|---|---|---|---|
| 2025 | $23,500 | $7,500 | $11,250 | $70,000 |
* The Total Limit includes employee contributions, employer matches, and after-tax contributions. Standard catch-up contributions are available to participants age 50 and older. Super catch-up contributions are available to participants age 60-63.
Related & Other Popular Calculators
Our 401(k) Calculator makes planning for retirement as easy as possible - it helps you estimate future retirement savings based on your current income, employer contributions, salary growth, and investment return assumptions. Whether you're just starting your career or you're close to retiring, our calculator allows you to put a concrete plan and strategy in place to help your financial future.
The calculator will ask for your age, expected retirement age, rate of income, contribution percent, investment growth rate, and it will show you how your savings could grow over time. You will see your final balance, a breakdown of estimated annual retirement income, and the breakdown of which contributions are from your annual wages, employer contributions & investment returns. What's great about our 401(k) Calculator is that it's accurate, easy to use, and based on the information you enter it gives you actionable suggestions to optimize your retirement.
Why Use a 401(k) Calculator?
A 401(k) Calculator is important for anyone wishing to secure their financial future. Here are some reasons why:
The 401(k) Calculator is designed for employees, business owners and anyone wanting to maximize their retirement savings potential.
Features of Our 401(k) Calculator
How to Use the 401(k) Calculator
Our 401(k) Calculator makes planning for retirement simple while enabling you to take control of your financial future.
Advantages of our 401(k) Calculator
Whether you're starting your first job or are already strategizing how to plan your retirement exit, our 401(k) Calculator will help you stay engaged and on track to achieve your financial goals.
Your retirement savings adventure starts now. Our 401(k) Calculator is meant to make planning simple, informative, and effective. By entering only a few pieces of information, you will clearly understand your future financial safety net. Take command of your retirement savings today for a stress-free, financial independence tomorrow.
FAQs
A 401(k) Calculator is an online tool that can give insights into your future retirement savings based on contributions, employer matching, and your projected growth rate of investments.
The calculator will provide a high degree of accuracy and good projections based on the information you enter. The accuracy of your actual retirement savings depends on market performance, changes in your salary, and IRS contribution limits.
Definitely! Enter your employer match percentage so you can see how much money your employer will contribute toward your savings.
Using a 401(k) Calculator early gives you the definite advantage of compounding your money, maximizing your contributions, and adjusting your saving plan accordingly to your retirement goals.
Yes, the calculator has up to date contribution limits listed, including the additional catch-up contributions for individuals age 50+.
Yes! The 401(k) Calculator not only shows you your projected balance at retirement, but as well as an estimated annual retirement income level based on withdrawal rates.
Note: This 401(k) calculator provides estimates based on your inputs and assumptions about future returns. Actual results may vary based on market conditions, changes in contribution limits, and personal circumstances. This tool is designed for educational purposes and does not constitute financial advice. Consider consulting with a qualified financial advisor for personalized retirement planning.