401k Calculator
Project your 401k balance at retirement based on contributions, employer match and growth.
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Frequently Asked Questions
How much should I contribute to my 401k?
At minimum, contribute enough to get your full employer match — that is a 50-100% instant return. Beyond that, aim for 15% of income including employer contributions. The 2026 401k contribution limit is $23,500 ($31,000 if age 50+). Starting early has an enormous impact due to compound growth.
What is the employer 401k match?
A common employer match is 50% of contributions up to 6% of salary — meaning if you contribute 6%, your employer adds 3%. Some employers match 100% up to 3-4%. Always contribute at least enough to capture the full employer match; not doing so is leaving free money on the table.
What is the 4% rule for retirement?
The 4% rule states you can safely withdraw 4% of your retirement portfolio in year one, then adjust for inflation each year, with a high probability your money lasts 30+ years. A $1,000,000 portfolio supports $40,000/year or $3,333/month. It is a guideline, not a guarantee.