💼 401(k) Calculator

A 401(k) calculator shows how your employer-sponsored retirement savings grow with contributions, employer match, and compound interest. Enter your salary, contribution percentage, and employer match to project your 401(k) balance at retirement and see how the employer match supercharges your savings.

🇺🇸 Calculating for United States

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2025 401(k) limit: $23,500.00 employee · $31,000.00 age 50+ (catch-up)

Annual salary ($)

Your contribution (%)

Employer match (%)

Employer match up to (% of salary)

Current 401(k) balance ($)

Current age

Retirement age

Annual return (%)

Projected 401(k) balance at 65

$1,025,635.03

Your annual contribution

$4,800.00

Employer match / yr

$2,400.00

Your contributions (total)

$194,726.78

Employer match (total)

$97,363.39

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Frequently asked questions

What is the 401(k) contribution limit for 2025?▾

The 2025 employee 401(k) contribution limit is $23,500. Those aged 50+ can contribute an additional $7,500 catch-up. The combined employee + employer limit is $70,000.

Should I contribute enough to get the full employer match?▾

Always. The employer match is an immediate 50–100% return on your contribution — the highest guaranteed return available. Not contributing enough to capture the full match is essentially leaving free money on the table.

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Disclaimer: This calculator is for informational and educational purposes only. Results are estimates and not financial advice. Consult a licensed financial advisor before making financial decisions.