◈ FINANCE Updated July 25, 2026

401(k) Retirement Calculator

See what today's contribution rate is actually worth at retirement.

Annual salary
Your contribution (%)
Employer match (%)
Current balance
Years until retirement
Expected annual return (%)
Result
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How it works

Each year your contribution plus the employer match is invested and compounds at the expected return until retirement, on top of your current balance growing for the full period.

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Frequently asked questions

Should I always get the full match?

Yes — an employer match is an immediate guaranteed return, so contributing at least up to the match is usually the first priority.

What return should I assume?

Long-run diversified equity portfolios have averaged roughly 7% a year after inflation, but returns vary and are never guaranteed.

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