401(k) Calculator

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401(k) contribution and growth projection

401(k) Details

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401(k) Projection

Projected balance at retirement
First-year employee$10,000.00
First-year employer match$3,000.00
Goal status$692,925.06 above goal
Value in today’s dollars
$1,045,460.98
Total employee contributions
$475,754.16
Total employer match
$142,726.25
Net investment growth
$1,499,444.65
Investment fees
$57,767.89
Fee drag with lost growth
$116,520.60
Estimated monthly retirement income
$7,309.75
Employee rate needed for goal
5.06%
  • Future projections hold the entered 2026 limits and plan assumptions constant; IRS limits and employer plan terms can change.
  • Employer vesting, true-up rules, payroll timing, taxes, withdrawals, and investment volatility are not modeled.

401(k) growth scenarios

Lower, expected, and higher paths based on the return range entered.

Where the balance comes from

Starting balance plus employee deposits, employer match, and net growth.

Contribution limit year 2026. Educational estimate only.

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