401(k) Calculator
See how your balance, contributions, employer match, time, and assumed return work together.
Verify this calculatorVerified
See what the result uses—and what it cannot know.
Sumvoro calculates deterministically from the visible inputs. It does not invent lender terms, local rules, market values, medical facts, or professional judgments.
- 1 · InputsCheck every entered value against the latest statement, quote, measurement, or official source.
- 2 · Formula
Future balance compounds the current balance plus monthly employee and employer contributions. - 3 · SensitivityUse Insights to run a lower and higher case. If the conclusion changes easily, collect better information or leave more margin.
- 4 · ScopeThis tool is maintained and covered by automated calculation tests. Provider timing, rounding, and omitted facts can still change a real-world result.
- Formula release
- 2026.10-r4
- Release date
- October 10, 2026
- Review status
- Verified
- Source review
- September 12, 2026
401(k) calculator
Capture the match when practical, then evaluate contribution rate, fees, time, and tax treatment.
- Enter the match formula accurately.
- Include fees.
- Treat returns as uncertain.
Optional readingLearn how this calculator works
How the 401(k) calculator works
Project a workplace retirement balance including employee contributions and employer match.
Future balance compounds the current balance plus monthly employee and employer contributions.
Read our calculation methodology and limitations.
Example
Model a current balance plus employee and employer contributions through a chosen retirement date.
What affects the result
- Employer match rules can include caps and vesting.
- Contribution limits may constrain the entered percentage.
- Investment returns vary and are not guaranteed.
Frequently asked questions
What should I enter?
Use current statement or offer values where available. Each input includes a description of the expected amount, rate, or time period.
Is this financial advice?
No. It is a deterministic planning estimate. Verify important decisions with official documents and an appropriately qualified professional.