Free 401(k) Retirement
Calculator 2025

See exactly how your 401k grows with employer match. Plan your retirement with confidence.

📈 401(k) Retirement Calculator

Total at Retirement
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Your Contributions
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Employer Contributions
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Investment Growth
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💡 401(k) Tips

Always Get the Full Employer Match

Employer match is free money. At minimum, contribute enough to get the full match — it's an instant 50–100% return on that money.

Increase Contributions Over Time

Try to increase your contribution by 1% every year, especially after a raise. Small increases compound dramatically over decades.

Max Out If Possible

The 2025 401k contribution limit is 3,500. If you can max it out, you'll have significantly more at retirement than most Americans.