Retirement & 401(k) Calculator
By FiscallyAI Editorial (AI-assisted) • Updated 2026-07-14 • Educational tool
See how your current savings, your own contributions, and your employer's match could grow by retirement. The match is free money — this shows you exactly what it's worth compounded over time.
Of your salary, per year.
$-for-$ up to this % of salary.
At retirement
Projected balance
$0
Total contributions
$0
Investment growth
$0
Employer match added
$0
The free money your employer contributes over the whole period.
You + employer each month
$0
How the projection works
Your balance grows two ways: the money you already have keeps compounding, and every monthly contribution compounds from the day it goes in. This uses the standard future-value formulas with monthly compounding:
FV = PV·(1+i)ⁿ + PMT·[ (1+i)ⁿ − 1 ] / i
- PV = current balance, i = monthly return (annual ÷ 12), n = months
- PMT = your monthly contribution plus the employer match
The employer match is modeled as dollar-for-dollar up to the percentage of salary you enter — the most common 401(k) structure. If you contribute 6% and your employer matches up to 3%, you get the full 3% match; if you only contribute 2%, the match is limited to your 2%. Contributing at least up to the match cap is one of the few genuinely free returns in personal finance.
What this leaves out on purpose
These are pre-tax, nominal dollars. Real results depend on things this tool doesn't guess for you: market returns are never fixed (7% is an illustration, not a promise), inflation erodes future purchasing power, salaries and contribution limits change, and withdrawals are taxed for a traditional 401(k). Vesting schedules can also delay when the match is fully yours.
Disclaimer: Educational tool only, not financial or tax advice. Past performance doesn't predict future returns. Confirm your plan's match formula, vesting, and contribution limits with your provider.