401(k) Calculator
With employer match calculation
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401(k) Balance at Retirement
$0
💰 Your Contributions
$0
🎁 Employer Match
$0
📈 Investment Growth
$0
💵 Monthly Income (4% Rule)
$0/mo
What is a 401(k) Calculator?
A 401(k) calculator is a retirement planning tool that projects how much your savings will grow over time. It factors in your salary, personal contributions, employer match, and compound interest to estimate your total nest egg at retirement age.
How to Use This Calculator
This 401(k) calculator helps you estimate your retirement savings with employer matching contributions.
Understanding Employer Match
Most employers match a percentage of your contribution, up to a limit. For example:
- 50% match up to 6% means if you contribute 6% of salary, employer adds 3%
- 100% match up to 4% means if you contribute 4%, employer matches all 4%
2026 401(k) Contribution Limits
- Under 50: $23,000 per year
- 50 and over: $30,500 per year (includes catch-up)
- Total (employee + employer): $69,000
The 4% Rule
The monthly income shown uses the 4% safe withdrawal rate, meaning you can withdraw 4% of your portfolio annually with a low risk of running out of money over 30 years.