401(k) Calculator — Retirement Savings Projection
Estimate how your 401(k) grows over time. Enter your salary, your contribution percentage, your employer match details and an expected annual return to see the projected balance and how much of it comes from free employer money.
% of salary
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% of salary
ani
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Estimated balance at the end of the contribution period
- 1
Annual employee contribution
75.000 × 10% ÷ 100 = 7.500 - 2
Annual employer match
75.000 × min(10, 6)% ÷ 100 × 50% = 2.250 - 3
Monthly combined contribution
(7.500 + 2.250) ÷ 12 = 812,5 - 4
Growth factor over term
(1 + 0,0058)ⁿ = 8,1165How much one dollar deposited today multiplies over the full period at the monthly rate. - 5
Projected 401(k) balance
15.000 × 8,1165 + 812,5 × (8,1165 − 1) ÷ 0,0058 = 1.112.974
Cum funcționează acest calculator?
A 401(k) grows with compound interest: Balance = current × (1+r)^n + monthly total × ((1+r)^n−1)/r where r is the monthly rate and n is the number of months. The key lever is contributing at least enough to capture the full employer match — that is an immediate 50–100% return on those dollars before any investment growth.
Formulă
How this is calculated
A 401(k) is a US employer-sponsored retirement plan in which you contribute a percentage of your pre-tax salary and the balance grows tax-deferred until retirement. Many employers add a matching contribution up to a cap — the classic example is "50% of contributions up to 6% of salary," which effectively adds 3% of your salary for free each year.
The calculator computes the combined monthly contribution (your share plus the employer match) and then applies the standard future-value formula: your existing balance grows at the monthly compounding rate, and each month's contribution grows from when it is deposited. If the expected return is zero the formula falls back to simple addition to avoid dividing by zero.
Results are pre-tax nominal figures for illustrative purposes only, assuming a constant salary, contribution rate and return throughout the period. The IRS 2025 employee contribution limit is $23,500 (under 50), $31,000 for ages 50–59 and 64+, and $34,750 for ages 60–63. Contributions above the limit are not tax-advantaged. Actual investment returns and the tax treatment at withdrawal (ordinary income for traditional 401k, tax-free for Roth) are not modelled.
Întrebări frecvente
A common formula is 50% of contributions up to 6% of salary, giving you an extra 3% of your salary for free. Some employers match dollar-for-dollar up to 3–6%. Capturing the full employer match is generally the first priority in retirement saving because it is an immediate 50–100% return on those dollars.
In 2025 you can contribute up to $23,500 of your own salary. Workers aged 50–59 and 64+ can add a $7,500 catch-up ($31,000 total), and ages 60–63 have a special "super catch-up" of $11,250 ($34,750 total). Employer contributions are on top, subject to a combined limit of $70,000. These figures are editable estimates — check IRS.gov for annual updates.
No. The projected balance is a nominal pre-tax figure. To gauge real purchasing power, compare it against an inflation calculator over the same period. Traditional 401(k) withdrawals are taxed as ordinary income; Roth 401(k) qualified withdrawals are tax-free. A financial adviser can model your specific tax situation.
Cunoscut și ca
TG we-Calculate Editorial Team. (2026). 401(k) Calculator — Retirement Savings Projection [Online calculator]. TG we-Calculate. https://we-calculate.com/ro/calculator/401k-calculator
TG we-Calculate Editorial Team. "401(k) Calculator — Retirement Savings Projection." TG we-Calculate. 2026. https://we-calculate.com/ro/calculator/401k-calculator.
TG we-Calculate Editorial Team, "401(k) Calculator — Retirement Savings Projection," TG we-Calculate, 2026. [Online]. Available: https://we-calculate.com/ro/calculator/401k-calculator
@misc{wecalculate_401k_calculator, title = {401(k) Calculator — Retirement Savings Projection}, author = {{TG we-Calculate Editorial Team}}, howpublished = {\url{https://we-calculate.com/ro/calculator/401k-calculator}}, year = {2026}, note = {TG we-Calculate} }
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