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401k Retirement Calculator
See how your 401k grows over time with contributions, employer matching, and compound returns.
Enter 0 if no match
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Frequently Asked Questions
How much should I contribute to my 401k?
At minimum: enough to capture 100% of your employer match (it’s free money). Recommended: 15% of gross income including match. The 2024 contribution limit is $23,000 ($30,500 if age 50+). Even small increases in contribution percentage have outsized long-term impact due to compounding.
What rate of return should I use?
The S&P 500 has averaged about 10% annually over long periods (nominal). Use 7% for a conservative real-return estimate after inflation. Financial advisors commonly use 6-8% for projections. Diversified portfolios with bonds typically project 5-7%.