TopToolAIUSA 401(k) Retirement Calculator
Project how much your 401(k) retirement savings could grow to by retirement age, based on your current balance, contributions, and expected annual return. Starting at age 30 with a $10,000 balance, contributing $500 a month, and earning an average 7% annual return, a 401(k) could realistically grow to well over $1 million by age 65 — almost all of that growth coming from decades of compounding, not the contributions themselves.
How to use USA 401(k) Retirement Calculator
Step-by-step guide to the boxes below. Open it only if you need help.
How to use USA 401(k) Retirement Calculator
Step-by-step guide to the boxes below. Open it only if you need help.
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1
Current balance Number
What is already in your 401(k) today.
Example: 20000
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2
Monthly contribution (you) Number
How much you put in each month yourself.
Example: 500
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3
Employer match % Number
The percentage your employer adds on top of your contribution. Type 0 if there is no match.
Example: 50
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4
Years to retirement Number
How many years until you plan to retire.
Example: 30
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5
Expected annual return % Number
The yearly growth you expect. A cautious number gives a more realistic picture.
Example: 7
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6
Press “Project Balance”
Click the button under the boxes. If something is missing or not valid, a short message tells you which box to fix.
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7
Read your result
You see what your 401(k) could grow to, including your employer's match. Change any box and try again to compare different numbers.
USA 401(k) Retirement Calculator FAQs
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