The 401(k) Calculator helps you estimate how much money you will have for retirement. It accounts for your salary contributions, employer matching, annual contribution limits (including 2025/2026 updates), and compound interest growth.
How 401(k) Growth Works
Your 401(k) grows through three sources: your contributions (deducted from salary), your employer's matching contributions (free money), and the compound interest earned on investments.
Future Value = Contributions * ((1 + r)^n - 1) / rWhere:
- • Contributions: Your deferral + Employer Match
- • r: Annual return rate / 12
- • n: Total months until retirement
Example: Maximizing the Match
Salary: $80,000. You contribute 5% ($4,000). Employer matches 50% up to 6% of salary.\n\n• Your Contribution: $4,000\n• Employer Match: $2,000 (50% of $4k)\n• Total Annual Investment: $6,000\n• Growth (7% for 30 years): ~$600,000
Frequently Asked Questions
⚠️ Disclaimer
The figures provided by this calculator are estimates based on the inputs you provide and standard financial formulas. STOCKCALC.IN does not offer investment advice. Please consult a qualified financial advisor before making any investment decisions.