401(k) Calculator

Project your 401(k) balance at retirement from your current balance, monthly contributions and expected return — and see its value in today's dollars after inflation.

Your details

Current ageRetirement ageCurrent 401(k) balance$Monthly contribution$Annual return%Inflation rate%Used to show your balance in today's purchasing power.

401(k) at retirement

$1,728,497.48

In today's dollars: $728,338.83
Total contributions: $361,000.00
Investment growth: $1,367,497.48

Contributions vs growth

Contributions: $361,000.0021%
Growth: $1,367,497.4879%

401(k) at retirement$1,728,497.48

Formula

Future value = current balance compounded monthly, plus the future value of your monthly contributions. The real balance divides that by (1 + inflation) raised to the number of years.

How it works

Your balance grows two ways at once: your existing savings compound, and every new contribution starts compounding too. Because the result is also shown in today's dollars, you can see what the future balance is really worth once inflation is accounted for.

Frequently asked questions

Should I contribute enough to get the full employer match?⌄

Yes. An employer match is an immediate, guaranteed return on your contribution, so at a minimum contribute enough to capture all of it before directing savings elsewhere.

What rate of return should I assume?⌄

A long-run figure of roughly 6-7% after inflation (about 8-10% before) is common for a diversified, stock-heavy portfolio — but returns vary year to year and are never guaranteed.

Does the projected balance account for taxes?⌄

No. A traditional 401(k) is taxed when you withdraw in retirement, so your spendable amount is lower than the projected balance. A Roth 401(k) is taxed now and withdrawn tax-free.

Sources & methodology

Assumes a constant return with monthly compounding, plus an inflation adjustment for the real balance; excludes employer-match caps and taxes.

•U.S. SEC — retirement saving — SEC

Last updated: 2026-07-20

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Learn more

401(k) vs IRA vs Roth: Which Should You Use?How 401(k), traditional IRA, and Roth accounts differ on taxes and access, plus a simple order for using them.How 401(k) Employer Matching WorksHow 401(k) employer matches are structured, what vesting means, and why you should always contribute enough to get the full match.How Social Security Benefits Are CalculatedHow Social Security works: your top 35 earning years, AIME, the PIA formula, full retirement age, and how claiming early or late changes your check.Required Minimum Distributions (RMDs) ExplainedWhat RMDs are, why they start at age 73, how the required amount is calculated, and the penalty for missing the deadline.

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