401(k) Planning Tools

401(k) Calculators for Smarter Retirement Planning

Explore your retirement savings from different angles. Estimate potential 401(k) growth, contributions, employer matching, Roth scenarios and more with our collection of interactive calculators.

Start With the 401(k) Calculator → View All Calculators

Contribution rate 10%

✓ 401k.blog

Illustrative scenario

Potential future balance

$684,320

Contributions $142K

Employer $68K

Growth $474K

Years invested 35 years

Jump to a calculator:

Core Calculator Contributions Growth Roth 401(k) Retirement

Calculator Collection

Choose the 401(k) Calculator You Need

Each calculator focuses on a specific retirement-planning question. Start with your current goal and explore related calculators as you go.

401(k) Calculator

Estimate how current savings, contributions, time and assumed investment returns could affect a potential future 401(k) balance.

Use Calculator → START HERE

401(k) Match Calculator

Explore an employer matching scenario using your salary, contribution rate and matching formula.

Use Calculator → EMPLOYER MATCH

401(k) Growth Calculator

Explore how contributions, investment returns and the number of years invested may influence potential account growth.

Use Calculator → GROWTH

401(k) Contribution Calculator

Compare different contribution percentages and explore how your annual savings rate affects an illustrative retirement scenario.

Use Calculator → CONTRIBUTIONS

Roth 401(k) Calculator

Explore an illustrative comparison of Roth and traditional 401(k) contribution scenarios and their different tax treatment.

Use Calculator → ROTH 401(K)

401(k) Retirement Calculator

Explore a broader retirement scenario using current savings, future contributions, retirement age and assumed returns.

Use Calculator → RETIREMENT

Find the Right Tool

What Are You Trying to Figure Out?

Start with the question you have rather than the calculator name.

01

How much could my 401(k) grow?

Use growth and retirement calculators to explore different contribution, time and return assumptions.

Explore Growth Calculator →

02

How much should I contribute?

Compare contribution rates and explore how changing your savings percentage affects an illustration.

Explore Contribution Calculator →

03

How much could my employer add?

Explore an employer-match scenario based on the matching rules you enter.

Explore Match Calculator →

How It Works

Turn Your Numbers Into a Scenario

Our calculators are designed to make retirement concepts easier to explore.

01

Enter Your Information

Enter inputs such as your current balance, salary, contribution rate, age or retirement target.

02

Adjust Your Assumptions

Change contribution rates, years, returns or other available assumptions to see how the illustration changes.

03

Explore the Result

Use the result as an educational starting point and explore related 401(k) guides for more context.

Before You Calculate

Your Plan's Rules Still Matter

401(k) plans can differ in their contribution provisions, employer matching formulas, vesting rules, investment choices and other features.

Learn How 401(k)s Work →

Calculator results are estimates

The calculators on 401k.blog are educational tools. Results depend on the information and assumptions entered and are not guarantees of future account values or investment performance.

Your actual retirement plan may have different rules, fees, investment options, employer contributions or other provisions.

Tip: Check your plan documents or Summary Plan Description for the rules that apply to your specific 401(k).

Calculator FAQs

Questions About 401(k) Calculators

A 401(k) calculator can help you explore illustrative scenarios involving contributions, employer matching, investment growth, time and retirement age. Different calculators focus on different inputs and questions.

Use the 401(k) Calculator →

No. Calculator results are estimates based on the assumptions and inputs used. Investment returns, contributions, fees, plan provisions and other factors can cause actual results to differ.

Yes. Employer matching formulas, vesting provisions, investment options and other plan features can vary. Review your plan documents or contact your plan administrator for the rules that apply to your account.

The calculators are designed for educational scenario planning. They should not be treated as personalized investment, tax or financial advice.

Contribution limits can change from year to year. For current limits, check the applicable IRS retirement plan guidance.

Read our 401(k) Contribution Limits guide →

Start Exploring Your 401(k) Numbers

Choose a calculator, adjust your assumptions and explore an illustrative retirement scenario.

Open 401(k) Calculator →

Educational information only: The calculators and information on 401k.blog are provided for general educational and informational purposes. Calculator results are estimates based on the assumptions and inputs provided and are not guarantees of future investment performance or retirement income. They should not be considered personalized financial, investment, tax or legal advice. Retirement plan rules, contribution limits, tax treatment, fees and other provisions may change. Review your plan documents and consult a qualified professional when appropriate.