Retirement / 401(k) Calculator
Enter your age, savings, monthly contribution, salary, employer match and expected return to estimate your balance at retirement and a possible monthly income.
Your details
Result
Balance at retirement
$1,488,814
≈ $4,963/mo with the 4% rule
- You contributed
- $210,000
- Employer match
- $93,146
- Investment growth
- $1,165,668
- In today's dollars
- $529,100
- ≈ $1,764/mo in today's dollars · 20 years in retirement. Returns are not guaranteed.
Good to know: Returns are not guaranteed. Test a lower return to see how sensitive the result is.
Please note: Illustrative estimate based only on the numbers you enter. This is not financial, investment, tax or legal advice and not an offer of any product. Real products have fees, rate changes and rules this tool does not model. Check figures with your lender or a qualified, independent adviser before you decide.
About this tool
Project your retirement balance from current savings, monthly contributions, employer match and estimated investment returns, with retirement income guidance.
Formula
balance grows monthly: balance = balance × (1 + r/12) + contribution × (1 + match), compounding for the years to retirement.
Reference values
- Employer match is free money — capture it fully
- Historical stock returns ≈ 7% real
- The 4% rule guides retirement withdrawals
Questions people ask
What is the 4% rule?
A guideline that withdrawing 4% of your savings in the first year of retirement, then adjusting for inflation, has historically lasted about 30 years. It is not a guarantee.
How does an employer match work?
The employer adds a percentage of your contribution, up to a limit set as a percentage of salary.
Why show an inflation-adjusted figure?
It shows what the future balance would buy in today's money.
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How we calculate this
We use the standard published formula or definition for this calculation, and we show the working so you can check it.
Spotted a mistake? Tell us and we'll check it. How we check our calculators