Retirement / 401(k) Calculator
Project your nest egg by retirement age, including employer match, salary growth and expected return.
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How the math works
Each year the calculator grows your salary by the raise rate, adds your contribution and the employer match (both expressed as percentages of salary) at the start of the year, and compounds the running balance at the expected return. Results are pre-tax nominal dollars; the tool does not apply IRS contribution limits, inflation, fees or taxes on withdrawal.
FAQ
Are these results pre-tax or post-tax?
Pre-tax. The calculator does not apply income tax, capital-gains tax or any plan-specific tax treatment.
Does this account for inflation?
No. Results are in nominal future dollars. To approximate today's purchasing power, enter a real expected return (nominal return minus your inflation assumption) instead of the nominal rate.
Does this include Social Security?
No. The calculator only projects the retirement-account balance you specify.