401(k) Contribution Calculator
Estimate employee and employer 401(k) contributions with match rules, plus optional growth projection.
Salary & contributions
Example: a 50% match up to 6% of salary means the employer contributes 50% of your deferrals on the first 6% of pay you contribute.
Optional projection
Total annual contribution
$8,250.00
You: $6,000.00 · Employer: $2,250.00
$6,000.00
Annual employee deferral
$2,250.00
Annual employer match
$521,805
Projected balance (25 yrs @ 7.0%)
$206,250
Total contributed over period
This is a simplified estimate. IRS contribution limits, vesting schedules, catch-up contributions, Roth vs. traditional treatment, and plan-specific rules may differ. Consult your plan documents and a tax professional.
What the tool does
401(k) Contribution Calculator estimates employee and employer contributions with match rules, plus optional growth projection for workplace retirement accounts.
How to use it
- Enter salary and contribution percentage.
- Add employer match rules if applicable.
- Review annual contributions and optional growth projection.
Supported formats
- Salary, contribution %, match formulas, return assumptions
Privacy & security
This tool runs entirely in your browser. Your data never leaves your device — nothing is uploaded to our servers.
FAQs
- What is an employer match?
- It is free contribution money your employer adds when you contribute, often up to a percentage of salary.
- Does this know IRS contribution limits?
- Limits change by year. Verify current IRS caps separately; this tool estimates based on the numbers you enter.
- Are salary details stored?
- No.