401(k) Retirement Savings Projection
Project your 401(k) balance including employer match.
Open the Interactive CalculatorHow It's Calculated
Employer Match = Salary × min(Your Contribution%, Match Limit%) × Match Rate%. The balance compounds monthly with both contributions added each period.
Example
Example: a 30-year-old with $25,000 saved, earning $80,000, contributing 8% with a 50% match up to 6% of salary, growing at 7% annually until age 65, projects to roughly $1.6 million, with the $84,000 employer match alone compounding into a meaningful share of the total.
Frequently Asked Questions
Am I leaving money on the table if I contribute less than the match limit?
Yes — contributing below your employer's match limit means forfeiting free matching money, often considered the best guaranteed return available.
Does this include salary growth over time?
No — this projection holds your salary constant for simplicity. Real contributions typically grow as your salary increases.