401k & Retirement Growth Calculator

Project your 401(k) or similar retirement account to your target retirement age. Includes employer match, contribution raises, and expected investment growth.

Current ageRetirement ageCurrent balanceMonthly contribution (you)Employer match rate (%)Match cap (% of pay)Current annual salary (for match cap)Expected annual return (%)Annual raise / contribution increase (%)

Projected balance at 65

$2,396,030

in 33 years

Total growth

$1,747,154

on $600,876 contributed

Your total contributions: $429,607
Employer match received: $171,269
Investment growth: $1,747,154
Final projected balance: $2,396,030

Last few years (illustrative)

Age	Your contrib	Match	Balance
60	$17,326	$5,520	$1,604,817
61	$17,846	$5,520	$1,741,338
62	$18,381	$5,520	$1,887,969
63	$18,933	$5,520	$2,045,436
64	$19,501	$5,520	$2,214,513
65	$20,086	$5,520	$2,396,030

Contributions grow with your raise setting. Growth uses a simple mid-year contribution approximation.