401(k) Retirement Calculator

Plan your retirement with our comprehensive 401(k) calculator. Calculate contributions, employer matching, and projected retirement savings.

Your current age in years
Age when you plan to retire
Your gross annual salary
Existing 401(k) savings
Percentage of salary you contribute
Employer match as % of your contribution
Maximum % of salary employer will match
Expected average annual return
Expected annual salary growth
Expected annual inflation rate
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Plan Your 401(k) Retirement

Enter your details to calculate your projected 401(k) retirement savings and optimize your contribution strategy.

About This 401(k) Retirement Calculator

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Comprehensive Planning

Calculate your 401(k) retirement savings including employee contributions, employer matching, and compound growth over time. Our calculator accounts for inflation to provide realistic projections.

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Multiple Scenarios

Compare different contribution levels and see how small changes can significantly impact your retirement savings. Explore various scenarios to optimize your retirement strategy.

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Tax Benefits

Understand the tax advantages of 401(k) contributions and how they reduce your current taxable income. See the real impact of pre-tax contributions on your financial future.

Real-time Calculations

See results instantly as you adjust your contributions and see the impact on your retirement goals. All calculations update in real-time with advanced analysis.

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Expert Insights

Get personalized recommendations based on current IRS limits and retirement planning best practices. Our tool provides smart insights to optimize your retirement planning.

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Inflation-Adjusted Results

View both nominal and real (inflation-adjusted) values to understand the true purchasing power of your retirement savings. Plan for the future with realistic projections.

⚠️ Important Disclaimer

These calculations are estimates based on current tax laws and assumptions. Actual returns and tax implications may vary. Please consult with a financial advisor for personalized advice.