401(k) retirement calculator
Project your 401(k) balance with annual contributions, employer match and growth.
Final balance
$926,269.63
Total contributed (you + employer)$280,000.00
Growth (earnings)$646,269.63
Annual employer match$3,000.00
Accumulated total Total invested
Estimate with a constant return; taxes and inflation are not included.
How the calculation works
A 401(k) grows from your contributions, the employer match and compound growth. Each year: balance = balance × (1 + return) + contribution + match.
Frequently asked questions
What is an employer match?
It is when your employer adds to your 401(k) a portion of what you contribute — essentially free money.
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Updated on June 18, 2026 · by Rafael Rossi · Methodology & sources