Free 401(k) Growth Projector
Project your 401(k) balance at retirement based on current balance, annual contributions, employer match, and expected return.
Projected Balance
$1,258,357
Projected Balance vs Years Until Retirement
401(k) Growth Projection
Your 401(k) grows through three sources: your contributions, employer match, and investment returns.
Formula
FV = Current x (1 + r)^n + Monthly x [(1 + r)^n - 1] / r
Employer Match
A common match is 50% of your contributions up to 6% of salary. This is essentially free money for retirement.
Example Calculation
$50,000 current balance, $12,000/year contributions, 50% match up to 6% of $80,000 salary, 7% return, 25 years.
- 01Employer match = min(12000, 4800) x 50% = $2,400/year
- 02Total monthly = (12,000 + 2,400) / 12 = $1,200
- 03Current balance grows: $50,000 to ~$271,400
- 04Contributions grow to ~$912,000
- 05Total projected: ~$1,183,000
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