401(k) Retirement Calculator
Calculate your 401(k) growth with employer match. See how your retirement savings compound over time with tax-deferred growth.
A 401(k) is the most powerful retirement savings tool in the US — your contributions are pre-tax, many employers match 3-6%, and your investments grow tax-deferred until withdrawal. This calculator shows how your 401(k) grows over time.
Tips for 401(k) Retirement
Always contribute at least enough to get the full employer match — it's free money (3-6% typically)
2025 contribution limit: $23,500 per year ($31,000 if over 50 — catch-up contributions)
401(k) grows tax-deferred — you don't pay tax on gains until withdrawal in retirement
Target saving 15% of your gross income (including employer match) for a comfortable retirement
Frequently Asked Questions
How much should I contribute to my 401(k)?
When can I withdraw from my 401(k)?
Data sources: Standard financial formulas
For informational purposes only. Not financial, medical, or legal advice. Always consult a qualified professional for decisions affecting your finances or health.
More Retirement Calculators
FIRE Calculator — Financial Independence Retire Early
Calculate your FIRE number and when you can retire early. See how savings rate, investment returns, and expenses determine your financial independence date.
Pension Calculator
Calculate how much pension corpus you need and how much monthly income it will generate in retirement. Plan for a comfortable retired life.