401(k) Growth & Employer Match Calculator
Estimate 401(k) growth, employer matching contributions and current tax savings. Explore constant-return scenarios; contribution limits are not enforced.
Before you calculate
Contribution limits, catch-up eligibility and vesting are not enforced. This is a 401(k) growth model, not a full IRA or Roth tax comparison.
How the 401(k) projection works
This tool models a traditional workplace retirement account with an employer match. It does not calculate IRA eligibility or compare after-tax Roth withdrawals.
Annual employee contribution = Salary × Contribution %; Match = Salary × min(Contribution %, Match limit %) × Match %Example Scenarios
Employer match example
On a $60,000 salary, a 6% contribution is $3,600. If the employer matches 50% of contributions up to 6% of salary, the annual match is $1,800. Check vesting and plan rules before treating that match as available money.
A zero-return scenario
Starting with $10,000 and adding $5,400 at each year-end for 10 years gives $64,000 at a 0% return. Positive investment returns are hypothetical, not guaranteed.
Methodology & Assumptions
Projection uses end-of-year contributions compounded annually. Employer match is applied on contributions up to the match limit.
Sources & calculation notes
Maintained by MoneyCalc. Results are estimates based on the inputs and assumptions shown, not personalized financial advice or a lender quote. Default rates are examples unless a specific tax year or official table is identified.
References explain the underlying concepts or rules. They do not endorse or independently certify this implementation.
Calculations run in your browser. Some tools retain settings on this device. Displayed rounding can produce small differences from a statement or contract.