401(k) Calculator
Balance at retirement including your employer match.
Result
Annual total (you + match)$10,500.00
Employer match/yr$3,000.00
Projected balance$1,182,144.63
Monthly income (4% rule)$3,940.48
401(k) Calculator — FAQs
2025 401(k) limit?
$23,500 employee deferral ($31,000 if 50+), plus employer match on top.
Always take the match?
Yes — it's an instant ~100% return on the matched amount. Not matching is leaving salary on the table.
Traditional vs Roth 401k?
Traditional defers tax to retirement; Roth 401k pays tax now for tax-free withdrawals. Many plans offer both — splitting contributions hedges.
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