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401(k) Calculator

401(k): US traditional 401(k) planning.

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401(k) Calculator for United States

USD · 12,345.67US customary measurementsRoad distance: miles

United States planning scenario. Amounts, prices and rates are editable examples. No verified local tax bands, exemptions, benefits or lender rules are applied. Currency amounts are not exchanged.

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Results update instantly as you change the inputs.

Projected retirement balance

$623,212.47

Amounts in USD · United States · editable planning estimate

Employee contributions$192,181.80
Employer contributions$57,654.54
Investment growth$323,376.14
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How this result was calculated

  1. Grow employee and employer contributions annually. Withdrawal estimate subtracts entered income tax and the applicable modeled 10% early-distribution additional tax.
  2. Country setup: United States. Displayed measurements are converted to the formula's base units internally.

Assumption: US traditional 401(k) planning. Contributions and matching must be within your actual plan/IRS limits; limits, vesting, Roth basis and eligibility are not inferred. Withdrawal exception must be confirmed separately. Source: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-exceptions-to-tax-on-early-distributions United States planning scenario. Amounts, prices and rates are editable examples. No verified local tax bands, exemptions, benefits or lender rules are applied. Currency amounts are not exchanged.

Calculation version 1.0.0 · Support state: generic

Formula and method

Grow employee and employer contributions annually. Withdrawal estimate subtracts entered income tax and the applicable modeled 10% early-distribution additional tax.

This calculation uses the values you enter. It runs in your browser and does not request a location or account.

Worked example

60000 salary, 10% employee contribution and 50% match up to 6% of salary adds 6000 employee plus 1800 employer annually.

Questions people ask

Which method does this tool use?

Grow employee and employer contributions annually. Withdrawal estimate subtracts entered income tax and the applicable modeled 10% early-distribution additional tax.

What should I check before using the result?

US traditional 401(k) planning. Contributions and matching must be within your actual plan/IRS limits; limits, vesting, Roth basis and eligibility are not inferred. Withdrawal exception must be confirmed separately. Source: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-exceptions-to-tax-on-early-distributions