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A 401(k) calculator projects the future value of a US employer-sponsored retirement account, accounting for employee contributions, employer matching, and compound investment growth over time. The 401(k) is the most common US workplace pension, with contributions made pre-tax.

공식

r = monthly return rate (annual rate ÷ 12), n = months to retirement

r: monthly return rate (annual rate ÷ 12) — monthly return rate (annual rate ÷ 12)
n: months to retirement — months to retirement

단계별 가이드

1Calculate monthly contribution: (Salary × employee % + Salary × employer match %) ÷ 12
2Use future value of annuity formula: FV = PMT × [(1+r)ⁿ − 1] / r
3Add future value of any existing balance: FV = PV × (1+r)ⁿ
4r = monthly return rate (annual rate ÷ 12), n = months to retirement

풀어진 예시

입력

$60,000 salary, 6% contribution, 3% employer match, 30 years, 7% return

결과

~$580,000

Without existing balance

입력

Same but with $50,000 existing balance

결과

~$965,000

Starting balance makes enormous difference

자주 묻는 질문

What is 401K?

How accurate is the 401K calculator?

The calculator uses the standard published formula for 401k. Results are accurate to the precision of the inputs you provide. For financial, medical, or legal decisions, always verify with a qualified professional.

What units does the 401K calculator use?

This calculator works with inches, percentages. You can enter values in the units shown — the calculator handles all conversions internally.

What formula does the 401K calculator use?

The core formula is: Use future value of annuity formula: FV = PMT × [(1+r)ⁿ − 1] / r. Each step in the calculation is shown so you can verify the result manually.

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