401(k) Calculator

Inputs explained

• Current 401(k) balance ($) — What is already in your 401(k) today. Enter 0 if you are just starting.
• Annual salary ($) — Your gross yearly salary — contributions are calculated as a percentage of this. Example: 80000.
• Your contribution (%) — The percentage of salary you contribute each paycheck. Example: 10.
• Employer match (%) — The percentage of salary your employer adds on top. Example: 4. Enter 0 if there is no match.
• Expected annual return (%) — Average yearly investment growth. 7 is a common long-term estimate.
• Years to retirement — How many years you will keep contributing. Example: 30.

How to use it

1. Fill in the fields above — each input has a hint describing exactly what to enter
2. Press Calculate to get your result instantly, right on this page
3. Copy the result, save the tool to favorites, or share and embed it anywhere

Understanding the result

Example: An $80,000 salary with 10% contribution, 4% match, and 7% return for 30 years grows to roughly $1.1M.

Frequently asked questions

Is the 401(k) Calculator free to use? Yes — it is completely free, with no sign-up, no download and no usage limits. You can use it as often as you need.

Is my data private? Yes. The calculation runs entirely in your browser — the values you enter are never sent to our servers, stored or shared with anyone.

What information do I need? Just the following: Current 401(k) balance ($), Annual salary ($), Your contribution (%), Employer match (%), Expected annual return (%), Years to retirement. Each field includes a hint explaining exactly what to enter.

Can I use it on my phone? Yes — the tool is fully responsive and works on any device, and the same calculator is available in the EasyWorkCalcs mobile app.

Privacy

Everything you enter into the 401(k) Calculator is processed entirely in your browser. Nothing is uploaded, stored or shared — your data stays on your device.