Finance

401(k) Calculator

Project a 401(k) balance with employer match.

Annual salary ($)

Your contribution (%)

Employer match (%)

Annual return (%)

Years

Calculated Output

Projected balance ($) 398,468.94

Annual contribution ($) 6,300

Formula: annual = salary × (contribution% + match%); grow as annuity

Step-by-Step Breakdown

1. Values used:

2. Annual salary = 70,000 $

3. Your contribution = 6 %

4. Employer match = 3 %

5. Annual return = 7 %

6. Years = 25

8. Projected balance = 398,468.94$

9. Annual contribution = 6,300$

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The math behind it

Annual contribution = salary × (your % + employer match %); grown as an annuity at the return rate.

$70k, 6% + 3% match, 7%, 25 yr → ~$398,000.

Match limits?

Employers often cap the match at a percentage of salary.