Retire401k: 401(k) Calculator

401k Retirement Calculator projects the balance you will have at retirement based on your current age, retirement age, salary, existing balance, contribution rate, and employer match. The app models monthly compounding with your chosen annual return rate, grows your salary at the specified rate each year, and applies the employer match formula including a cap on the matched percentage. Results show your projected balance at retirement, inflation-adjusted balance in today's dollars, total employee and employer contributions, investment growth, estimated annual and monthly retirement income using a 4 percent withdrawal rule, and any employer match you may be leaving on the table. Save multiple scenarios to compare contribution strategies or retirement timelines.