401(k) / Retirement
Project retirement balance with employer match
Educational projection, not retirement-planning advice. Real returns are volatile and this tool does not model taxes, Social Security timing, RMDs, or healthcare costs — work with a fee-only fiduciary planner for your specific situation.
About 401(k) / Retirement
A 401(k) calculator projects your retirement balance from current contributions, employer match, salary growth, and expected returns. The single biggest lever isn't the return rate — it's contributing enough to capture the full employer match. Anything less is leaving free salary on the table.
Frequently asked questions
Always contribute at least enough to get the full employer match — it's a 100% (or 50%) instant return on that portion. After that, 10-15% of gross salary is the common target, raised gradually.
Traditional defers tax to retirement (better if you expect lower retirement income); Roth pays tax now (better if you expect higher retirement income or want tax-free withdrawals). Many people split.
Four choices: leave it in the old plan, roll it into the new employer plan, roll it to an IRA (most flexibility), or cash out (taxed + 10% penalty — almost never the right choice).
6-7% is a conservative long-term target for a balanced portfolio. Target-date funds typically reduce equity exposure as you near retirement, which lowers the expected return.
Penalty-free at 59½. Earlier withdrawals incur a 10% penalty plus income tax (with some hardship exceptions). SEPP / 72(t) is an early-access workaround for early retirees.
Embed this tool on your site
Drop a one-line iframe snippet into any blog, lesson plan, or knowledge base. Powered-by-Toolenza link included.
Embed this tool
Paste this snippet into any HTML page. The tool runs entirely in your reader's browser.
Related tools
401(k) / Retirement
No reviews yet — be the first to share your thoughts.
- No reviews yet — be the first to share your thoughts.