See how much your employer-sponsored plan will grow over time — including your employer's match and investment returns.
Your 401(k) is the most powerful retirement tool most Americans have — but only if you use it right. This free 401(k) calculator factors in your current balance, annual contributions, employer match, and expected investment returns to project exactly how much you'll have at retirement. Whether you're just starting your first job or 20 years from stopping work, seeing the numbers makes it easy to adjust your contribution rate and stay on track.
If your employer offers a 50% match on the first 6% of your salary, that's an instant 50% return on your money. Free money — never leave it on the table. At minimum, contribute enough to get the full match.
If your employer matches 50% on the first 6% and you only contribute 3%, you're leaving thousands of dollars per year unclaimed. Always contribute at least enough to get the full match.
A 0.50% expense ratio difference sounds tiny, but on a $500,000 portfolio over 30 years, it costs you well over $100,000. Check your fund fees.
In 2026, you can contribute up to $24,500 of your own money. If you're 50 or older, you can add an extra $8,000 catch-up contribution.
First, contribute enough to get the full employer match. Then max out your IRA (broader investment choices), then go back and max out your 401(k).
You can roll over your old 401(k) into an IRA, roll it into your new employer's plan, or leave it where it is. Cashing out incurs taxes and a 10% penalty — avoid it.