401(k) Contribution & Growth Calculator
Calculate your 401(k) balance at retirement based on contributions, employer match, and investment returns.
Calculation Inputs
Calculation Results
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Enter inputs on the left and click Calculate to view results.
Formula & Methodology
FV = PV × (1+r)^n + PMT × ((1+r)^n − 1)/r where PMT includes employee + employer
Always contribute at least enough to capture the full employer match — it's 100% immediate return on your money.
Frequently Asked Questions
What is the 401(k) contribution limit?
For 2024, the employee limit is $23,000 ($30,500 if age 50+). Employer contributions have a combined limit of $69,000.