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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.

Формула

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

Водич чекор-по-чекор

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

Worked Examples

Влез

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

Резултат

~$580,000

Without existing balance

Влез

Same but with $50,000 existing balance

Резултат

~$965,000

Starting balance makes enormous difference

Frequently Asked Questions

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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