401(k) Retirement Calculator with Employer Match
Project the balance of your 401(k) or similar retirement account at retirement. Includes employer match, expected annual raises, and an assumed rate of return.
Inputs
Results
- Balance at age 65
- $2,140,498.98
- Your contributions
- $362,772.49
- Employer match
- $181,386.25
- Investment growth
- $1,576,340.25
Includes inputs, results, and schedule.
How the projection works
We compound your balance monthly at your expected rate of return, add annual salary growth, and roll contributions plus employer match into the account each month. Results are pre-tax and don't include Social Security, pensions, or taxable brokerage savings.
Frequently asked questions
Should I always contribute enough to get the full match?
Yes — the employer match is an instant 50–100% return on those dollars. Missing the match is one of the most expensive retirement mistakes.
What is the 2026 401(k) contribution limit?
The IRS raises the limit most years for inflation. Check the current annual limit and update your contribution percent to stay within it if you're on track to exceed it.