Estimate 401K growth from current balance, annual salary, contribution percent, employer match, estimated return, and years to grow.
8% of $75,000 salary for 25 years
This projection does not enforce current IRS limits, catch-up rules, Roth or pre-tax treatment, vesting, fees, taxes, loans, withdrawals, or your employer plan rules.
Estimate how a salary contribution percent affects a 401K balance.
Compare the impact of an employer match and match cap.
Project long-term growth from current balance, monthly deposits, and return assumptions.
Check a 401K savings scenario before reviewing IRS limits and the official plan rules.
About $700,059.74 projected, with $500/month from you and $187.50/month from the match
About $241,020.45 projected, with $300/month from you and $150/month from the match
About $843,010.70 projected before plan limits, fees, taxes, and market changes
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Plain-language answers about when to use the estimate, what your numbers mean, what is left out, and how privacy works.
Use it when you want to test the exact inputs on this page: Estimate how a salary contribution percent affects a 401K balance. Compare the impact of an employer match and match cap. The result is a check against your assumptions, not proof that a lender, tax app, broker, platform, or provider will use the same number.
Current balance means the money already in the 401K account before this projection starts. Annual salary means the gross salary used to estimate your employee contribution and employer match. Your contribution means the percent of salary you plan to contribute, such as 8 for 8%. Employer match means how much the employer adds compared with your contribution, such as 50 for a 50% match. Match limit means the salary percent where the employer match stops, such as 6 for match up to 6% of salary. Estimated return means a what-if annual return, not a guaranteed investment result.
No. IRS says the employee elective deferral limit for many 401(k), 403(b), governmental 457, and TSP plans is $24,500 for 2026, with a general $8,000 catch-up for age 50 or older. This tool shows a projection only, so compare the result with your plan and IRS limits.
Not always. Your own salary deferrals are yours, but employer match money can follow a vesting schedule unless the plan says it is immediately vested. Check the plan rules before treating the match as money you can keep if you leave.
No. This calculator only projects balance growth from deposits and return. It does not compare Roth versus pre-tax taxes, required Roth catch-up rules, payroll withholding, or future withdrawal tax.
In plain language: The calculator converts your salary contribution percent and estimated employer match into monthly deposits, then compounds the current balance and deposits monthly with the return you enter. The estimate uses monthly compounding and end-of-month deposits. It does not check IRS annual additions, employee deferral limits, highly compensated employee rules, vesting, plan fees, or investment risk.
Projected balance is the future account estimate. Your monthly contribution and employer monthly match show the deposit split. Total contributions separate your deposits, employer match, and estimated growth.
This is a simplified projection. It does not enforce IRS limits, plan rules, Roth or pre-tax treatment, vesting, fees, loans, withdrawals, taxes, or market volatility. Use your employer plan portal, plan documents, and IRS limits for real contribution rules.
Check salary, contribution percent, match percent, match cap, return, and years. Then compare the annual employee contribution with current IRS and plan limits before changing payroll.
No. The calculator runs in your browser tab. Recent answers stay only on the page while you use it, and they are not sent to a server.