401(k) Growth Calculator

Inputs

Current balance *

$

Annual salary *

$

Your contribution *

%

Employer match *

%

Years until retirement *

years

Expected annual return *

%

Calculate Reset

Results

Enter values and click Calculate to see results.

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How to use this calculator

1. Fill in the inputs above using the units you already have.
2. Values update automatically as you type — no submit button needed.
3. Hover any result row for the underlying formula and intermediate values.

Formula

Future value of an annuity with periodic contributions: FV = P · (1 + r)ⁿ + C · ((1 + r)ⁿ − 1) / r. Annual contributions combine the employee deferral with the employer match capped by salary.

In depth

Project the future balance of a 401(k) given salary, contribution rate, employer match, expected return, and years to retirement.

Frequently asked questions

Does this account for salary growth?

No — the calculator holds salary constant. For a finer estimate, increase your contribution percentage in line with expected raises.

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