401(k) Calculator
Project how your 401(k) could grow by retirement. Enter your current balance, your total monthly contribution (yours plus any employer match), an expected annual return and the years until you retire to see your projected balance and the growth on top.
How to use it
Enter your current 401(k) balance, your total monthly contribution — include your employer match if you get one — an expected annual return, and the years to retirement. The calculator compounds monthly and shows the projected balance plus how much is contributions versus growth.
An employer match is free money that compounds for decades, so contributing at least enough to capture the full match is one of the highest-return moves available. Add your match into the monthly figure to see its long-run effect.
Frequently asked questions
Should I include my employer match?
Yes — add your contribution and the employer's together as the monthly figure. The match compounds just like your own money and significantly raises the projected balance.
What return should I assume?
Many savers model a diversified 401(k) at mid-to-high single digits over a long career, trending more conservative near retirement. Returns fluctuate and aren't guaranteed; this is a projection, not a promise.
Does this show pre-tax or after-tax dollars?
It projects the account balance in nominal dollars. Traditional 401(k) withdrawals are taxed as income later, while Roth 401(k) withdrawals can be tax-free — the balance shown is the same, but your after-tax outcome differs by account type.
BriskToolbox provides estimates for general information only and is not financial advice. Investment returns are not guaranteed.