RETIREMENT PLANNING
Maximize Your 401(k) Growth
Estimate how your 401(k) contributions and employer match may grow over time. This tool provides projections based on the assumptions you enter.
Using 2026 IRS Data
Contribution & Salary Info
Your gross annual income before any deductions.
Your age today. This determines catch-up eligibility at 50.
Target age to stop working and begin withdrawals.
Percentage of salary contributed each pay period. A commonly cited guideline is 10-15%, though individual needs vary.
Employer contributes this amount for every $1 you contribute, up to the match cap.
Maximum % of your salary the employer will match. Typically 3-6%. Contributing below this means you may not receive the full match.
Your existing 401(k) balance. Growth starts from here.
Historical stock market averages 7-10%. Conservative estimate: 5-6%. Aggressive: 9-12%.
Expected annual raise/inflation. Typical: 2-3%. Higher growth increases future contributions.