Estimate Your 401(k) Savings Over Time
Use this 401(k) retirement savings calculator to estimate how your current balance, contributions, employer match, and investment return could grow before retirement. Adjust the numbers to compare savings scenarios and see how small changes may affect your long-term retirement savings.
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Estimated balance at retirement
Estimate Summary
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Want help reviewing your retirement plan?
A calculator can help estimate the numbers, but a full retirement strategy depends on your income needs, timeline, investment mix, and goals.
Calculator disclaimer: This calculator provides estimates only and is not a guarantee of future investment performance, account value, retirement income, or tax results. Actual results may vary based on market performance, contribution changes, employer plan rules, fees, taxes, withdrawals, and other factors.
Common Questions About Saving $1 Million
Here are answers to the questions people ask most when planning a path to $1 million. Still have more questions? Contact a Wealth Professional today ->
What does this 401(k) calculator estimate?
This calculator estimates how your 401(k) savings could grow over time based on your current balance, salary, contribution rate, employer match, expected return, and years until retirement.
Does this calculator include employer matching contributions?
Yes, the calculator should include employer matching contributions if you enter your employer’s match percentage and match limit.
How much can I contribute to a 401(k) in 2026?
For 2026, the employee contribution limit is $24,500 for most workers. Workers age 50 and older may be eligible for catch-up contributions, and workers ages 60 to 63 may qualify for a higher catch-up limit.
How does increasing my 401(k) contribution affect my retirement savings?
If your employer offers a match, contributing enough to receive the full match can be a valuable part of your retirement savings strategy because it adds employer contributions to your account.
When should I talk with a financial advisor about my 401(k)?
Consider talking with a financial advisor if you are unsure how much to contribute, how to invest your 401(k), whether to use Roth or traditional contributions, or what to do with an old 401(k).
