LONG-TERM SAVING SCENARIOS
401(k) Growth Calculator
Model a 401(k) balance with an assumed return and your planned monthly contribution.
Review your result
Your result
Ready when you are.
Enter your values and select Calculate. Your result stays on this device.
How it works
Future value combines the starting balance and end-of-month contributions at the annual return you enter, compounded monthly.
Assumptions
Returns, fees, taxes, inflation, contribution limits, and losses are not modeled unless you adjust the inputs yourself.
Use case
401k calculator: a clear planning check
Model a 401(k) balance with an assumed return and your planned monthly contribution. The stated formula, assumptions, and result limits remain visible so the calculation can be checked in context.
Use a clear 401k calculator scenario with values you can verify before relying on the result.
Source and update
Last reviewed: 2026-08-10
IRS — retirement plans and contribution guidanceKeep exploring