Plan Your Retirement with a 401(k)!

See how your 401(k) can grow with employer match, tax benefits, and compounding. Estimate your after-tax retirement balance and more.

Get Started How It Works
401k illustration

Your Final Take-Home Balance: $0.00 (after tax)

Fill out the form below and click Calculate to see your projected 401(k) take-home balance.

1. Contributions

Current 401(k) Balance ($)
Annual Salary ($)
Employee Contribution (%)
Employer Match (%)
Employer Match Cap (%)
Annual Salary Growth (%)

2. Investment Growth

Expected Annual Return (%)
Plan/Management Fee (%)
Years to Retirement

3. Tax & Withdrawals

Current Age
Federal Tax Rate (%)
State Tax Rate (%)
How This Calculator Works

This calculator estimates your 401(k) retirement savings by modeling annual contributions (employee and employer), salary growth, investment returns, and plan fees. It applies IRS annual contribution limits and catch-up rules for those 50+.

  • Employer Match: Calculated as a percent of salary, up to a cap, and subject to IRS limits.
  • Investment Growth: Compounded annually after contributions and fees.
  • Fees: Deducted annually as a percent of your balance.
  • Taxes: For traditional 401(k), all withdrawals are taxed at your expected retirement rates. For Roth, withdrawals are tax-free if qualified.
  • RMDs: Required for traditional 401(k) after age 73. This calculator uses a simplified IRS table.

Note: Actual results may vary. Consult a financial advisor for personalized advice.

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