Free 401K Calculator

Project your 401K balance at retirement, including employer match.

Your employer match is effectively free money on top of your salary — if your plan matches 3% and you're only contributing 2%, you're leaving part of that match on the table. This calculator separates your contributions, employer contributions, and investment growth so you can see each piece of the total.

Frequently Asked Questions

Should I contribute enough to get the full employer match?
Generally yes — an employer match is an immediate, guaranteed return on your contribution.