Project a 401(k) balance with employee contributions, an employer match capped by salary, returns, and inflation.
Change the inputs that matter to your decision. Optional assumptions stay collapsed until you need them.
The salary input makes the employer-match cap explicit instead of treating it as a percentage of your contribution.
In today's purchasing power, the projected balance is $1,048,799.
The inflation-adjusted 4% monthly draw is $3,496 in today's dollars.
| Age 35 | $50,000$0 cumulative growth |
|---|---|
| Age 45 | $364,462$134,462 cumulative growth |
| Age 55 | $983,057$573,057 cumulative growth |
| Age 65 | $2,199,927$1,609,927 cumulative growth |
Contributions are modeled at the beginning of each year, followed by annual growth. Returns and inflation are constant assumptions, not forecasts.
Practical notes about the inputs, assumptions, and result.
The calculator first applies the match percentage to your employee contribution, then limits that result to the entered percentage of annual salary.
It discounts the future balance into today's purchasing power using the entered inflation assumption.
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