Terms of use
Plain terms for a free tool: use it freely, but treat the output as an estimate and confirm everything with your plan and a professional.
- Projected balance (at retirement)
- 1 846 072 $
- Investment growth
- 1 366 123 $
Acceptance
By using 401k Calculator you agree to these terms. If you do not agree with them, please do not use the site.
Educational purpose only
The calculators and articles on this site are provided for general information and education. They are not financial, investment, tax or legal advice, and using them does not create an advisory relationship of any kind.
We are not a bank, broker, plan administrator or registered advisor. We do not sell any financial product and we do not receive a commission on any account or plan you use.
Accuracy of results
Results are estimates produced from the figures you enter, the IRS rules for the stated tax year, and the assumptions described on our methodology page. They depend entirely on those inputs being correct.
Actual outcomes depend on your plan's specific terms, your investment returns, and your tax situation — which may differ from the assumptions modelled here.
- Always confirm contribution limits, match formulas, vesting and withdrawal rules with your plan administrator and current IRS guidance.
- Your plan documents and IRS rules take precedence over any figure shown on this site.
- Projected balances are shown before tax; your after-tax outcome will be lower.
No warranty
The site is provided on an "as is" and "as available" basis, without warranties of any kind, express or implied, including fitness for a particular purpose. We do not warrant that the site will be uninterrupted, error-free, or that results will meet your requirements.
Limitation of liability
To the fullest extent permitted by law, we are not liable for any loss or damage arising from your use of, or reliance on, this site — including financial decisions made on the basis of a calculation shown here.
Intellectual property
The content, design, code and illustrations on this site are our property. You may use the calculators freely for personal and commercial decision-making, and quote short excerpts with attribution and a link. You may not republish the site's content wholesale or present it as your own.
Changes to these terms
We may update these terms from time to time; the revision date below reflects the latest version. Questions can be sent to hello@401kcalculator.info.
Formulas and content last reviewed . IRS limits change each year — confirm current figures at IRS.gov and with your plan administrator.
Keep exploring
Back to the calculators
- 401k CalculatorThe main retirement projection — salary, contribution, match, and your balance at retirement.
- 401k Growth CalculatorProject what your 401k will be worth at retirement — including your contributions, the employer match, and decades of compound growth.
- 401k Match CalculatorSee exactly how much free money your employer adds to your 401k — and the contribution rate you need to capture every dollar of the match.
- Roth vs Traditional 401k CalculatorCompare the after-tax retirement value of Roth and traditional 401k contributions side by side — and see which one leaves you with more.
- Guides (15)Long-form explanations of how 401(k)s work, compared against the alternatives.
- 401k glossaryEvery term defined, with the rule or formula attached wherever one applies.
- FAQ hubDirect answers to the questions people actually ask about 401(k)s.
- Methodology & accuracyEvery formula, assumption and source behind the published figures.
- Full sitemapEvery page on the site in one index, plus the XML sitemap.