United States • USD • Internal Revenue Service (IRS)View GlobalWe use cookies and similar technologies to improve your experience, analyze traffic, and serve personalized ads. See our Privacy Policy.
United States • USD • Internal Revenue Service (IRS)View GlobalWe use cookies and similar technologies to improve your experience, analyze traffic, and serve personalized ads. See our Privacy Policy.
United States calculator
401(k) Calculator calculator for United States. Enter your details to get United States-specific results based on current rates and regulations.
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Calculate how much your 401(k) will grow by retirement. Factor in your current balance, monthly contributions, employer match, expected returns, and inflation to see your projected retirement savings.
The 401(k) calculator projects your account balance using compound growth on your existing balance plus regular contributions. Employer matching contributions are added to your monthly contributions. The calculator shows year-by-year growth and estimates how long your savings will last in retirement based on withdrawal rates.
Balance at Retirement = FV of Current Balance + FV of Monthly Contributions + FV of Employer Match, where FV uses the compound interest formula with monthly compounding. Annual Retirement Income = (Balance × Withdrawal Rate) + Social Security. The 4% rule suggests withdrawing 4% of initial retirement savings annually, adjusted for inflation.
A 30-year-old in United States has $50,000 in their 401(k) and contributes $500/month. With a 4% employer match ($200/month), total monthly input = $700. At 7% annual return, retiring at 65: projected balance = approximately $1,050,000. This provides $42,000/year using the 4% rule, plus Social Security benefits.
The 2025 401(k) contribution limit is $23,500 ($31,000 if over 50). Always contribute enough to get the full employer match — it's free money. Increase contributions by 1% each year. Consider Roth 401(k) if you expect higher taxes in retirement. Avoid 401(k) loans unless absolutely necessary.
Contribution limits are sourced from IRS publications. Employer match data is based on typical U.S. employer plans. Historical return assumptions use long-term S&P 500 averages. Inflation assumptions use Federal Reserve target rates. Our methodology follows standard retirement planning principles.
Last Updated: June 2026 — Reviewed Against Official Sources
United States calculators use data from the following official government agencies:
Our calculators use tax brackets, contribution limits, and rates published by the relevant US government agencies. Salary data is sourced from Bureau of Labor Statistics (BLS) surveys. Mortgage rates reflect national averages and may vary by lender, location, and credit profile. All figures are for educational purposes and should be verified with a qualified professional.
All tax brackets, contribution rates, and economic data used in our calculators are sourced from the official government publications listed above. Rates are updated at least annually to reflect the latest tax year and regulatory changes. Users should verify critical figures with official sources or qualified professionals.
Last updated: June 2026. Information may change; always verify with official sources.
Projects retirement savings growth and determines if you are on track