401(k) Retirement Contribution Calculator
Project your 401(k) balance at retirement, including employer match, salary growth, and the annual IRS contribution limit.
How the projection is calculated
$75,000 salary, 10% contribution, 50% match up to 6%
A 30-year-old earning $75,000 who contributes 10% of salary ($7,500/year) gets a 50% match on the first 6% of salary ($4,500), so the employer adds $2,250. With a 3% annual raise and a 7% average return, contributing until age 65 grows a $15,000 starting balance into roughly $1.4M — of which the employer match alone contributes well over $150,000 before its own growth is counted.
Common questions
Most plans match a percentage of what you contribute, up to a cap expressed as a percent of your salary. For example, "50% match up to 6%" means your employer adds $0.50 for every $1 you contribute, but only on the first 6% of your salary that you defer. Contributing beyond that 6% still grows your own balance, just without additional matching dollars.