401(k) Calculator
Project the future balance of your 401(k) plan
Use this when you need a fast, accurate result — no sign-up, works entirely in your browser.
Estimated balance at retirement—
Total contributed (you + employer)—
Investment growth—
How to Use
- Enter your details into the fields above.
- Click the calculate button to get your result instantly.
- Use the clear button to start a new calculation.
Example
- Current $10,000 + $6,000/yr at 7% for 20 years → Final balance ≈ $301,888 (interest ≈ $171,888)
- $25k start, $12k/yr you + $3k/yr match, 6%, 25 yrs → Balance ≈ $979,643 (contributed $400k, growth $579.6k)
Formula
FV = balance × (1 + r)n + contribution × ((1+r)n − 1) / r × (1 + r). Assumes end-of-year contributions and constant return; ignores employer match unless you fold it into the contribution amount.
About 401(k) Calculator
Project the future balance of your 401(k) plan. This free online tool gives you fast, accurate results without registration or downloads.
Everything runs locally in your browser, so your data is never uploaded or stored — privacy first.
Frequently Asked Questions
Is this tool free to use? +
Yes, it is completely free with no registration or download required.
Is my data private? +
Yes. Everything is processed locally in your browser. Nothing is uploaded or stored on our servers.
Does it work on mobile? +
Yes, it works on any device — phone, tablet, or desktop.