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401K calculator

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Using this 401K calculator, estimate a 401(k) balance at retirement, the cost of an early withdrawal, or the contribution range that captures an employer match.

401(k) balance

Project a balance from salary, your contribution, and the employer match, then see what that balance can pay in retirement.

Basic info

%
%

Percent of your contribution the employer adds.

% of salary

Match applies only to contributions up to this share of salary.

Projections

years
% per year
% per year
% per year

401(k) early withdrawal costs

An early withdrawal is taxed as income and, unless an exception applies, also pays a 10% penalty. This estimates what you would keep.

%
%
%

Are you employed?

Do you have a qualifying disability?

Do you qualify for other penalty exemptions?

Maximize employer 401(k) match

Contributing too little leaves match on the table. Contributing too much can hit the IRS deferral limit before the last paycheck, and the match stops for the rest of the year. This shows the contribution window that still receives the full match.

%
% of salary
%

Optional second tier. Use 0 if the plan has one match rate.

% of salary

Cumulative cap. A 3% then 6% match uses 3 here as the first limit and 6 as the second.

While you are working, the balance grows once a year and contributions are treated as arriving mid-year. Retirement withdrawals in the schedule are annual. Employee deferrals use the 2026 limits of $24,500 before age 50 and $32,500 from age 50. Annual additions are limited to the lesser of pay or $72,000, and both caps rise with the inflation rate you enter. These figures are estimates for planning, not tax advice.

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