Calculate your 401k retirement savings potential with employer matching, tax benefits, and compound growth. Plan your contributions for maximum retirement income.
Enter your 401k details and click calculate to see your retirement projection.
A 401k calculator is essential for retirement planning, helping you understand how your contributions, employer matching, and compound growth work together to build your retirement nest egg. Our free 401k retirement calculator shows you exactly how much you could have saved by retirement and what monthly income that could provide.
Your 401k contribution calculator considers several key factors: your salary, contribution percentage, employer matching, expected returns, and years until retirement. The power of a 401k lies in tax-deferred growth, employer matching (free money!), and compound interest over decades.
Our 401k limit calculator helps you optimize contributions within IRS guidelines. For 2025, the 401k maximum contribution limit is $23,000 for those under 50. If you're 50 or older, you can make additional 401k catch-up contributions of $7,500, bringing your total to $30,500. Employer contributions don't count toward these limits, allowing your account to grow even faster.
Our Roth 401k calculator helps you compare traditional and Roth options. With a traditional 401k, contributions are pre-tax, reducing your current taxable income, but withdrawals in retirement are taxed. With a Roth 401k, you contribute after-tax dollars but enjoy tax-free withdrawals in retirement. The 401k vs Roth calculator feature helps determine which option might be better based on your current and expected future tax brackets.
The 401k vesting calculator feature helps you understand how employer contributions become yours over time. While your personal contributions are always 100% vested, employer contributions often follow a vesting schedule (cliff or graded). Our calculator shows you exactly how much of your employer's contributions you own based on your years of service.
The 401k compound interest calculator demonstrates how your investments grow exponentially over time. Even small increases in your contribution rate can lead to significantly larger retirement balances due to compound growth. Our calculator visualizes this growth, showing how early contributions have decades to compound and grow.
Our 401k tax savings calculator feature shows how traditional 401k contributions reduce your current tax burden. By contributing pre-tax dollars, you lower your taxable income, potentially putting you in a lower tax bracket. The calculator demonstrates both immediate tax savings and long-term retirement growth.
The 401k early withdrawal calculator helps you understand the costs of accessing your retirement funds before age 59½. Early withdrawals typically incur a 10% penalty plus ordinary income tax. Our calculator shows the true cost of early withdrawals and how they impact your long-term retirement goals.
Our 401k required minimum distribution calculator helps you plan for mandatory withdrawals that begin at age 73 (as of 2025). RMDs are calculated based on your account balance and life expectancy, and failing to take them results in substantial penalties. The calculator helps you prepare for these required withdrawals in your retirement planning.
While our 401k matching calculator focuses on employer-sponsored plans, consider also contributing to IRAs, Roth IRAs, and other retirement vehicles for a comprehensive retirement strategy. Each has different contribution limits, tax treatments, and withdrawal rules.