Retirement Calculators
401(k) Calculator
Project a workplace retirement balance from your contributions, any employer match and an expected rate of return.
Projected balance at retirement
$1,420,809
- Total contributed
- $405,000
- Investment growth
- $1,015,809
- Employer contributions
- $108,000
Yr 2Yr 3Yr 5Yr 6Yr 8Yr 9Yr 11Yr 12Yr 14Yr 15Yr 17Yr 18Yr 20Yr 21Yr 23Yr 24Yr 26Yr 27Yr 29Yr 30
How this calculator works
Balance grows monthly: balance × (1 + r) + contributions
- r
- the monthly return derived from the annual figure
- contributions
- your payments plus any employer contribution
Important considerations
- Annual contribution limits and tax rules apply and change over time.
- Returns are assumed constant; real outcomes vary year to year.
Related calculators
- Retirement CalculatorProject your retirement balance and the income it could sustain.
- IRA CalculatorTraditional IRA balance at retirement.
- Retirement Savings CalculatorCombined retirement savings projection.
- FIRE CalculatorYour FIRE number and years to reach it.
- Roth IRA CalculatorRoth IRA balance from after-tax contributions.
- Social Security Benefit CalculatorEstimated benefit and the effect of claiming age.
Learn more
Terms used here
Frequently asked questions
Is the employer match worth maximising?
Almost always. A match is an immediate return on your contribution that nothing else reliably matches.
Disclaimer
Legamoney calculators are educational tools. Results are estimates based on the figures you enter and do not constitute financial, tax or legal advice.
Last reviewed 2026-08-01