Example: Annual salary: $90,000 · Your contribution: 8 % of salary · Employer match: 4 % of salary · Current balance: $45,000 → Projected 401(k) balance: $1,362,728.
Your annual contribution: $7,200
Free employer money per year: $3,600
Total contributed: $369,000
Frequently asked questions
How do I calculate 401(k)? Enter your numbers above and the result updates instantly. For example: Annual salary: $90,000 · Your contribution: 8 % of salary · Employer match: 4 % of salary · Current balance: $45,000 → Projected 401(k) balance: $1,362,728.
Is this 401(k) Calculator free? Yes — completely free with no sign-up or paywall. It runs entirely in your browser and keeps working offline; the numbers you enter never leave your device.
How accurate is it? It uses the standard published formula for 401(k). Results are estimates for planning — not financial, tax, medical, engineering, or legal advice.