401k Calculator
Employer match is free money — often 50¢ on the dollar up to 6% of salary. This projection shows your account growth with your contribution percentage, match, and annual raises compounding together.
Projected balance at 67
$2,055,501.25
- Your contributions
- $362,772.49
- Employer match dollars
- $136,039.68
- Investment growth
- $1,526,689.08
- Starting balance
- $30,000.00
How the 401k Calculator works
The calculation follows the standard method used across the US — no shortcuts, no hidden assumptions. Here is exactly what happens behind the scenes:
Formula
balance = (balance + employee% + match%) × (1+r) each year, with salary growth
Frequently Asked Questions
What are 2025 401k contribution limits?
$23,500 employee deferral, $31,000 additional catch-up for ages 60–63, and $7,500 catch-up for 50+. Employer+employee combined ceiling is $70,000 excluding catch-ups.
Roth or traditional 401k?
Traditional cuts today's taxable income; Roth locks in today's tax rates for tax-free withdrawals. If you expect higher future brackets, lean Roth; lower, traditional.
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