Free to use No account required Editable assumptions Results stay in this browser

401(k) Calculator with clear assumptions.

See how employee contributions and an employer match can compound over a working career.

How the estimate works

The estimate adds employee and employer contribution percentages each year, increases salary by the entered raise rate, and compounds the balance annually.

Important limitation

Actual matching formulas, vesting, contribution limits, taxes, fees, and market returns differ by plan and year. Results are estimates only and are not financial, lending, legal, tax, or investment advice.

Assumptions and review

Formula review: July 29, 2026. This tool uses only the editable values shown above and does not pull live rates, prices, balances, or account data.

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Frequently asked questions

How does the 401(k) calculator work?

The estimate adds employee and employer contribution percentages each year, increases salary by the entered raise rate, and compounds the balance annually.

Is this 401(k) calculator exact?

No. It is a planning estimate based on the values you enter. Actual rates, fees, timing, taxes, and provider rules can change the result.

Can I change the assumptions?

Yes. Every displayed input is editable so you can compare scenarios instead of relying on a hidden default.