A 401(k) is an employer-sponsored retirement savings plan in the US. By contributing a portion of your pre-tax salary, and taking full advantage of your employer's matching contribution, you can build a massive tax-advantaged retirement nest egg.
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401(k) Calculator
Project your 401(k) savings to see if you are on track for a comfortable retirement.
401(k) Calculator
Maturity Projections
Final 401(k) Balance₹0
Your Contributions₹0
Employer Match₹0
Investment Growth₹0
What is a 401(k) Calculator?
Project your future 401(k) retirement savings. Enter your salary, contribution percentage, employer match details, and expected market return to see your long-term nest egg grow.
How to Use This Calculator
- Enter your primary figure—such as your gross salary, product price, or target investment amount—into the base input field.
- Adjust the sliders or type numbers directly into the fields to specify parameters like interest rates and tenure duration.
- Enter any additional applicable values, such as tax-saving deductions, extra fees, or custom contribution percentages.
- Review the instant breakdown results, evaluate the visual compounding charts, and download the full breakdown as a PDF report.
Example Calculation: Compounding Investment Example
This table shows a realistic example calculation based on standard parameters. Enter your custom numbers in the sliders above to compare results.
| Parameter | Sample Value |
|---|---|
| Investment Style | Monthly SIP |
| Monthly Contribution | ₹10,000 |
| Expected Return Rate | 12% per annum |
| Duration Period | 15 Years |
| Total Maturity Value | ₹50,45,760 |
401(k) Retirement Savings & Employer Match
Mathematical Formula:
Future Value = Current Balance compounded + Annual Contributions (Employee + Employer) compounded
What is a 401(k) Calculator?
A 401(k) calculator helps you project your retirement nest egg by combining your current savings, future contributions, employer matching, and expected investment growth over time. It visually demonstrates the power of compound interest and the significant advantage of maximizing your employer match.
How Employer Matching Works
Employer matching is "free money" added to your retirement account. For example, a common match is 50% of your contributions up to 6% of your salary. If you earn $100,000 and contribute 6% ($6,000), your employer adds 50% of that ($3,000) to your account.