401(k) Retirement Calculator
Project your 401(k) nest egg with compound investment returns, company employer match, and estimated monthly retirement income under the 4% safe withdrawal rule.
Age & Salary Profile
Common US corporate standard: employer matches 50% of your contributions up to 6% of your salary.
401(k) Balance Milestones Over Time
| Age | Annual Salary | Cumulative Contributions | Total 401(k) Balance |
|---|---|---|---|
| 35 anos | $82,786 | $43,365 | $87,970 |
| 40 anos | $93,665 | $92,428 | $185,214 |
| 45 anos | $105,973 | $147,938 | $332,564 |
| 50 anos | $119,899 | $210,743 | $552,865 |
| 55 anos | $135,654 | $281,802 | $879,046 |
| 60 anos | $153,481 | $362,197 | $1,358,535 |
| 65 anos | $173,649 | $453,158 | $2,059,592 |
Accounts for IRS annual employee contribution limits ($23,000/year plus $7,500 catch-up allowance for age 50+).
How it works
1
Enter your current age, planned retirement age, and annual salary.
2
Specify your contribution rate alongside your company's employer match program.
3
Adjust your expected rate of return to project your total nest egg and monthly retirement payout.
Frequently asked questions
What is an employer 401(k) match?
An employer match is money your employer contributes to your 401(k) based on your own contributions. A common structure is matching 50% of your contributions up to 6% of your salary, effectively providing an immediate 50% guaranteed return.
What is the 2024 IRS 401(k) contribution limit?
For 2024, the employee contribution limit is $23,000 per year, plus an additional $7,500 catch-up contribution for individuals aged 50 and older.
Is this tool free?
Yes. The site is supported by ads, so you never pay or need to create an account.
Does it work on mobile?
Yes. The page adapts to your screen and does not require installing any app.