Retirement / employer match
401(k) calculator
Compare contribution rates, employer matching, current savings, and time. Use the result to understand assumptions, not to promise an investment outcome.
step 1 / your inputs
Start with your numbers.
The gray example is only a guide. Replace it with your own number.
step 2 / see your estimate
Your result updates as you type.
How to use this estimate
- Check your plan's match formula, vesting rules, fees, and contribution limits.
- Investment returns are uncertain; compare lower and higher assumptions instead of relying on one forecast.
- This estimate does not include Social Security, taxes, withdrawals, or changing salary.
Common questions
Does this include my employer match?+
Yes, it uses the match percentage entered. Actual plans may match only up to a percentage cap or use a different formula.
Is the future balance guaranteed?+
No. It is a compound-growth estimate and actual investment returns, fees, contributions, and salary changes will differ.
the WageWillow guide
How the 401(k) estimate works
The estimate combines employee contributions, the employer-match percentage entered, current balance, time, and an assumed annual return. It shows the power of ongoing contributions, but it is not a guarantee and does not model every plan rule, fee, tax, or withdrawal scenario.
- Check the plan's match cap and vesting schedule.
- Compare more than one return assumption.
- Keep contribution limits and tax rules current.
Employer match and retirement planning
An employer match can be part of total compensation, but the exact formula matters. Review the plan document and consider contribution limits, fees, Roth versus traditional treatment, emergency savings, and high-interest debt before making a change.
keep exploring