How much should I save in a 401(k)?
Targets vary by income and retirement age, but many savers aim to contribute enough to capture the full employer match and then increase contributions over time.
401(k) Calculator
Estimate retirement savings, employer match, and future income
Project your retirement balance using salary, contribution rate, employer match, expected return, inflation, and a target retirement income level.
Contributions, employer match, and projected balance
Inflation-adjusted estimate and withdrawal planning
Monthly income estimate including Social Security
Enter retirement details
Build a simple projection using age, salary, savings rate, employer match, investment return, and inflation assumptions.
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Retirement savings breakdown
This shows how much of the projected balance comes from your own contributions, employer match, and investment growth.
Your contributions$379,717
Employer match$113,915
Investment growth$1,656,067
Match is part of your pay
If your employer offers matching contributions, capturing the full match can meaningfully improve the long-term result.
Real dollars matter
Inflation-adjusted values help you understand what the future account balance may actually buy in retirement.
Related retirement pages
401(k) calculator FAQ
Why does employer match matter so much?
Employer match increases the amount invested early, which then has more time to grow through compounding.
Should I use inflation-adjusted projections?
Yes. Inflation-adjusted projections are often better for planning because they estimate future purchasing power instead of nominal dollars alone.
What does the withdrawal rate mean?
The withdrawal rate is the percent of your retirement balance you expect to draw each year for living expenses.