Retirement & 401(k) Calculator
Project your retirement balance — contributions, employer match, and growth — all in one place.
Your details
Balance growth to retirement
Project your retirement savings
Enter your age, salary, current balance, and contribution rate to see a year-by-year projection of your 401(k) or similar retirement account, including employer matching and annual raises. The 4% withdrawal estimate is a common (though not guaranteed) rule of thumb for roughly how much a balance could support annually in retirement without depleting it too quickly.
Also useful: Compound Interest Calculator and Paycheck Allocator.
Frequently asked questions
The employer match percentage you enter is applied up to that percent of your salary, matching your own contribution dollar-for-dollar up to that cap — the most common match structure, though your actual plan's formula may differ.
It's a widely cited retirement guideline suggesting a portfolio can support withdrawing about 4% of its balance annually with a reasonably low risk of running out over a ~30-year retirement — it's a rule of thumb, not a guarantee, and depends heavily on market performance.
No — this projects the account balance itself. Traditional 401(k) withdrawals are taxed as income; Roth 401(k) withdrawals are generally tax-free in retirement. Factor your own tax situation in separately.