Personal Finance
401(k) Calculator
The employer match is the closest thing to free money in personal finance. See exactly what it adds to your balance.
A 401(k) calculator projects employer-sponsored savings growth, including employer matching contributions, which are typically 50–100% of the first 3–6% of salary — effectively free, instant return that should be captured first. Figures are estimates before taxes and fees — verify details with a licensed advisor where needed.
Match = free instant return.
Typical: 50–100% of first 3–6%.
Vesting rules vary by plan.
Calculate Your 401(k) Contribution
Projected Balance
What Is 401(k) Contribution?
A 401(k) pairs tax-advantaged saving with an employer match, typically 50–100% of the first 3–6% of salary you contribute.
The match is a guaranteed return the moment it lands, before any market growth. This calculator separates your contributions from the employer's, so you can see the match's true worth.
How It Is Calculated
Balance = Σ (your + matched contributions) × compounding
Example: Example: $70k salary, 6% + 50% match to 6%, 7% for 25 years → ≈ $576k (≈ $192k of it employer money)
2026 contribution limits (IRS)
| Type | Limit |
|---|---|
| Employee deferral (under 50) | $23,500 |
| Catch-up (50+) | +$7,500 |
| Total incl. employer | $70,000 |
Limitations
- Vesting schedules may delay ownership of the match.
- Limits change yearly, verify current IRS figures.
- Plan fees and fund choices affect real returns.
Sources & Review
References used for this calculator’s formulas and thresholds:
401(k) Contribution FAQ
What does '100% match up to 6%' mean?
Your employer adds one dollar for every dollar you contribute, up to 6% of salary, a 6% raise you claim by saving 6%.
How much should I contribute to my 401(k)?
At minimum, enough to capture the full match. Beyond that, aim for 10–15% of salary total toward retirement.
What is vesting?
The schedule on which the employer's contributions become yours, immediate, graded, or cliff (often up to 3 years).
Should I max my 401(k) before a Roth IRA?
Order: match first, then IRA (often Roth), then back to max the 401(k), optimize fees and tax diversity.
Please read this first: these results are educational estimates. For real decisions, talk to a qualified professional.