Project 401(k) balance with employer match.
These calculators use standard financial formulas (amortization, compound interest, marginal tax brackets) to estimate results based on the numbers you enter. They don't account for your full financial picture, and results shouldn't be treated as financial, tax, or investment advice. For decisions with real money on the line, check the numbers with a lender, accountant, or financial advisor who can see your complete situation.
Balance grows from combined annual contributions (yours + employer match) compounding at assumed return over your working years.
Assumes constant salary and contribution. Real salaries usually rise, so actual balances are often higher.
Employer match formulas vary widely — some match dollar-for-dollar up to a cap, others match 50 cents on the dollar. Check your plan document for the exact formula rather than assuming a flat percentage.
$70,000 salary, 8% employee + 4% employer match, 7% return, 25 years: ≈ $531,291.92.
Yes — it's a 100% immediate return on that portion. Not contributing enough to get the full match is leaving free money.
Traditional: contributions reduce taxable income now, tax on withdrawal. Roth: after-tax now, tax-free later. Roth wins if you'll be in a higher bracket at retirement.
$23,000 under 50, extra $7,500 catch-up at 50+. Employer match doesn't count toward your limit.
You can typically roll it into your new employer's plan or an IRA without triggering taxes or penalties. Cashing it out early instead usually means a 10% penalty plus income tax on the full amount.