Retiree Toolkit

401(k) calculator

See what your 401(k) could be worth at retirement, counting your contributions, your employer's match and growth. Your contributions are held to the IRS limit for your age.

Of what you put in.

401(k) balance at age 67

$719,105

Your contributions
$174,713
Employer match
$65,518
Growth at the return you assumed
$378,873
Your contribution this year
$6,400
Employer match this year
$2,400

Returns are not guaranteed, and real results vary from year to year. Taxes and fees are not subtracted.

Year by year

$719,105Age 45Age 56Age 67
Balance at each age, at the return you entered.

The limits this calculator applies

For 2027 an employee can contribute up to $25,500 to a 401(k). From age 50 a catch-up of $8,500 is allowed, and at ages 60 to 63 the catch-up is $11,750. The calculator uses the 2027 limits for every future year, because later limits have not been set. The employer match is not held to these limits here.

How the match is worked out

A match of 50% up to 6% of pay means the employer adds 50 cents for each dollar you contribute, counting your contributions up to 6% of your salary. Plans differ, so use the terms of your own plan.

How growth is calculated

Contributions are spread evenly over the year and the return is applied monthly. Your salary rises by the raise you entered at the end of each year.

Check our work

Every figure on this page was read from these official documents. Follow the links and compare.