Forecast your 401(k) balance with employer matching.
Balance = current savings compounded at the assumed return plus the future value of monthly contributions, including employer match.
$20,000 starting balance, $300/month contributions, 4% employer match, and 7% return over 30 years projects to over $500,000.
Employers often match contributions up to a percentage of your salary. That match is free money and should be captured in full whenever possible.
A 6–7% long-term average is realistic for a diversified portfolio. Avoid assuming double-digit returns for planning.
No. The IRS sets annual contribution limits that this calculator does not enforce, so keep limits in mind when entering your monthly contribution.
Browse all Financial Calculators