401(k) Calculator

Project retirement savings with employer match, IRS contribution limits, salary growth, fees, and inflation. This simplified version provides a quick estimate.

Savings Inputs

How to use

Enter your current balance, annual contribution, employer match percentage, expected return, and years to retirement. The calculator provides a simplified projection.

Methodology

Each year, the calculator adds employee and employer contributions and applies annual compound growth to the balance.

Full original guide (expanded)

Project your 401(k) balance with employer match, IRS limits, salary growth, fees, and inflation adjustments. Accessible, mobile-first, and engineered for accuracy.

Formulas
\[B_{t+1} = (B_t + C_e + C_m)\cdot(1+r)\]
Citations
Changelog
  • 0.1.0-draft — 2026-01-19 — Initial audit spec draft generated from HTML extraction (review required). Verify formulas match the calculator engine and convert any text-only formulas to LaTeX. Confirm sources are authoritative and relevant to the calculator methodology.
Verified by Ugo Candido
Last Updated: 2026-01-19
Version 0.1.0-draft