About 401(k) Calculator
Free online 401(k) calculator. Project your 401(k) balance at retirement with employer match, salary growth, and IRS limits. Runs in your browser — no signup required.
Why choose Online Tool Hub?
- Free forever — supported by non-intrusive ads
- Privacy-first — calculations stay in your browser
- Works on desktop and mobile
- Part of 16 free finance tools on Online Tool Hub
Frequently asked questions
- How is employer match calculated?
- Choose dollar-for-dollar match (e.g. 100% on the first 6% of salary) or a flat percentage of salary. The calculator applies your formula each year as salary grows.
- Are IRS contribution limits included?
- Yes. Employee deferrals are capped at the annual IRS elective deferral limit ($23,500, plus $7,500 catch-up at age 50+).
- What return rate should I use?
- Historical stock-heavy 401(k) portfolios have averaged roughly 7–10% nominal returns long term. Use a conservative estimate for planning.
- Is my financial data sent to a server?
- No. Finance calculators run in your browser via an embedded tool. Your numbers stay on your device.
- Do I need an account?
- No signup is required. All finance tools on Online Tool Hub are free to use.