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.

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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