401(k) Retirement Calculator
Employer match, vesting, contribution limits, and Roth vs Traditional comparison
Calculations run locally in your browser. Data is only saved to cloud if you sign in and choose to save it.
Balance at 65
$2.83M
Monthly Income (4%)
$9,437
Employer Match/yr
$2,550
Tax Savings/yr
$2,040
30
65 (35 yr away)
$85,000
10% ($8,500/yr)
$50,000
7%
Employer Match
of your contribution
e.g., 50% match up to 6% = 3% free
Years until match is fully yours
Projected Growth to Age 65
Your Contributions Employer Match Investment Growth
Age 31: $63,505
Age 32: $79,191
Age 33: $97,278
Age 34: $117K
Age 35: $139K
Age 36: $162K
Age 37: $187K
Age 38: $215K
Age 39: $245K
Age 40: $278K
Age 41: $313K
Age 42: $351K
Age 43: $393K
Age 44: $438K
Age 45: $486K
Age 46: $538K
Age 47: $595K
Age 48: $656K
Age 49: $722K
Age 50: $794K
Age 51: $871K
Age 52: $954K
Age 53: $1.04M
Age 54: $1.14M
Age 55: $1.24M
Age 56: $1.35M
Age 57: $1.48M
Age 58: $1.60M
Age 59: $1.74M
Age 60: $1.89M
Age 61: $2.06M
Age 62: $2.23M
Age 63: $2.42M
Age 64: $2.62M
Age 65: $2.83M
Age 31Age 65 · $2.83M max
Roth 401(k) vs Traditional 401(k)
| Traditional Pre-tax, taxed on withdrawal | Roth After-tax, tax-free growth | |
|---|---|---|
| Balance at retirement | $2.83M | $2.40M |
| Tax on withdrawal (22%) | -$623K | $0 (tax-free) |
| After-tax value | $2.21M | $2.40M |
| Winner | Roth wins by $194K | |
Your current tax rate is higher than expected retirement rate — Traditional may be better (tax deduction now worth more).
Your Contribution Summary (this year)
Your contribution$8,500/yr
Employer match+$2,550/yr
Total going in$11,050/yr
Tax savings (Traditional)$2,040/yr
IRS limit (<50)$23,500/yr
Salary growth3%/yr
This is an estimate only. Returns are hypothetical and not guaranteed. Does not account for fees, RMDs, or early withdrawal penalties. Consult a financial advisor.
2025 contribution limits: $23,500 (<50) / $31,000 (50+).