401(k) Calculator — Retirement Balance with Employer Match
Reviewed 2026-06-03 · FinCalc Hub Editorial
An employer match is free money, and compounding does the rest. Enter your salary, contribution rate, and match to see how your 401(k) could grow by retirement.
Balance at retirement$934,895
Your yearly contribution$4,800
Employer match / year$2,400
Investment growth$693,895
Assumes steady salary and return. Actual results vary with markets and limits.
Frequently asked questions
- How does employer matching work?
- Employers often match your contributions up to a percentage of salary (e.g., 3%). Always contribute at least enough to get the full match.
- What return should I assume?
- A long-term diversified portfolio has historically averaged around 7% annually before inflation, though results vary.