401(k) Calculator — Retirement Projection with Employer Match
Project your 401(k) balance with salary growth and employer matching. See contribution breakdowns, compounding returns, and monthly retirement income.
401(k) Calculator
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Your Total Contributions
$290,218
Employer's Total Contributions (50% up to 6.0%)
▲ $145,109
Total Investment Returns (Compounding)
▲ $1.36M
Compounding Returns as % of Total Balance
▲ 74.7%
Estimated Monthly Withdrawal (4% Rule)
▲ $6,053/mo
Scenario Comparison
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Your Contributions vs. Employer Match vs. Investment Returns
At retirement, 74.7% of your balance comes from investment returns — not your own savings. The market does the heavy lifting over time.
Year-by-Year Snapshot
| Age | Your Contribs | Employer | Returns | Total |
|---|---|---|---|---|
| Age 30 | $0 | $0 | $0 | $25,000 |
| Age 34 | $20,081 | $10,041 | $12,486 | $67,608 |
| Age 38 | $42,683 | $21,342 | $39,251 | $128,276 |
| Age 42 | $68,122 | $34,061 | $86,181 | $213,364 |
| Age 46 | $96,753 | $48,377 | $161,219 | $331,349 |
| Age 50 | $128,978 | $64,489 | $275,048 | $493,515 |
| Age 54 | $165,247 | $82,624 | $441,996 | $714,867 |
| Age 58 | $206,068 | $103,034 | $681,238 | $1.02M |
| Age 62 | $252,013 | $126,007 | $1.02M | $1.42M |
| Age 65 | $290,218 | $145,109 | $1.36M | $1.82M |
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