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Project your retirement savings with 401(k) contributions, employer match, and compound growth. See year-by-year balance and inflation-adjusted totals.
A 401(k) is an employer-sponsored retirement savings plan that allows employees to contribute pre-tax income, often with an employer match, and grow investments tax-deferred until withdrawal.
at age 65
($668,703.13 in today's dollars)
| Category | Limit |
|---|---|
| Employee (under 50) | $23,000 |
| Catch-up (50+) | +$7,500 |
| Employee + Catch-up | $30,500 |
| Total (incl. employer) | $69,000 |
| Total + Catch-up | $76,500 |
| IRA Limit | $7,000 |
Formula
FV = PV × (1 + r)^n + PMT × [(1 + r)^n − 1] / rFV = future value at retirement
PV = present value (current savings)
PMT = annual contribution (employee + employer match)
r = annual rate of return
n = years until retirement
Worked Example
$50,000 saved, $75K salary, 10% contribution, 50% match to 6%, 7% return, 35 years
Did you know? The 2024 401(k) employee contribution limit is $23,000 ($30,500 for age 50+). Employer contributions can bring the total to $69,000 per year — always capture the full match first.
Sources
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