401(k) Calculator
Projects your 401(k) balance from contributions and employer match.
Every calculation runs instantly in your browser, so your inputs are never sent to a server, and the tool is free with no sign-up. You can save the results as an Excel file with live formulas and reuse them later.
Inputs
- Annual salary ($)
- Your contribution (%)
- Employer match (%)
- Match limit (% of salary) (%)
- Annual return (%)
- Years (years)
- Current balance ($)
Example calculation
Balance at retirement: $680,118
| Your yearly contribution | $4,800 |
|---|---|
| Employer match / year | $2,400 |
| Total contributed | $216,000 |
Method & notes
Annual compounding. Your contribution is capped at the 2026 limit of $24,500. Estimate — not financial advice.
Tips
Change any input and the result recalculates in real time. After downloading the Excel file, you can reuse it by editing only the yellow input cells.
FAQ
How does the 401(k) Calculator work?
Projects your 401(k) balance from contributions and employer match. Annual compounding. Your contribution is capped at the 2026 limit of $24,500. Estimate — not financial advice.
Can I save the results?
Yes. You can download the results for free as an Excel (.xlsx) file with live formulas that recalculate when you change the yellow input cells.
Is it free?
Yes — all Calcova calculators are free, and you can save results as an Excel file.