401(k) Calculator
Project your retirement balance with employer match and see the real inflation-adjusted value.
Parameters
Results
Balance over time
Real value shows what your balance will actually be worth in today's dollars after inflation.
Maximizing your 401(k)
Employer match
Always contribute at least enough to get the full employer match — it's an instant 50-100% return on that portion of your contribution.
2024 contribution limits
You can contribute up to $23,000/year to a 401(k) in 2024. If you're 50+, the catch-up limit adds $7,500 more.
Tax advantages
Traditional 401(k) contributions reduce your taxable income today. Roth 401(k) contributions grow tax-free for retirement.
Inflation adjustment
A nominal balance of $1M in 30 years buys far less than $1M today. The real value toggle shows purchasing power in today's dollars.
Projections assume constant return rate. Actual returns vary. Not financial advice. Consult a financial advisor for personalized retirement planning.