USA 401(k) Retirement Calculator
Enter your current balance, salary, contribution rate and employer match to project your 401(k) balance at retirement.
USA 401(k) Retirement Calculator
Project your 401(k) balance at retirement, including employer match.
A 401(k) is a US employer-sponsored retirement account. This calculator projects your balance at retirement based on your current balance, ongoing contributions (yours and your employer's match) and an assumed annual return, and flags whether your contribution is within the current IRS annual limit.
Example
- With the default values shown above, this calculator returns: Your Annual Contribution ≈ $4200.00; Employer Match (Annual) ≈ $2100.00; Projected Balance at Retirement ≈ $534910.42.
Frequently Asked Questions
What is the 2025 401(k) contribution limit?
For 2025, the IRS employee elective deferral limit is $23,500 ($31,000 with the standard $7,500 catch-up for those 50+; a higher catch-up applies for ages 60-63 under SECURE 2.0).
Does employer match count toward my limit?
No — the $23,500 limit applies to your own contributions. Combined employee + employer contributions have a separate, much higher overall limit.