401(k) / 403(b) Calculator

Project your employer-sponsored retirement savings with matches, auto-escalation, returns, fees, and inflation. All fields start empty.

Current Age

Retirement Age

Current Balance ($)

Annual Salary ($)

Salary Growth (%/yr)

Start Contribution (% of pay)

Auto-Escalate Increase (p.p.)

Auto-Escalate Every (years)

Auto-Escalation Ceiling (% of pay)

Match Rate (% of employee contrib)

Match Cap (% of pay)

Employer Non-Match (% of pay)

Use average historical market return (7%)

Expected Return (%/yr)

Use an average plan fee (0.2%)

Plan Fees (%/yr)

Use average historical inflation (2.5%)

Inflation (%/yr)

Show balances in today’s dollars

Use current year's IRS limits

Employee Limit ($)

Catch-Up (50+) ($)

Leave blank to disable capping.

Projection

Fill in inputs and click “Generate my projection”.