401k Planning
401kcalc helps you model long-term outcomes with assumptions you can inspect, adjust, and compare in minutes.
You will meet your goal of $85,000 a year, with about $52,500 above your target.
A focused planning view for key retirement questions, without dashboard noise.
Estimate how your current balance, contributions, and return assumptions may compound through retirement age.
See how your plan match changes long-term outcomes and where contribution increases create the biggest payoff.
Compare nominal growth with inflation-adjusted results so planning decisions stay anchored to real purchasing power.
Translate balance projections into an annual income estimate to evaluate readiness instead of only chasing a balance target.
Age-based checkpoints and projection tools to see whether your savings are keeping pace.
See how your current 401k balance compares to common savings benchmarks for your age group.
Model how your balance may grow from today through age 70 based on your contribution rate and return assumptions.
Test how increasing your contribution rate each year could close the gap between your balance and the benchmark.
See projected balances at future checkpoints and whether your current path keeps pace with age-based targets.
A simplified planning view for benchmark gaps and contribution changes.
Benchmark gap closes faster when contribution increases are modeled year by year.
Current 78%Improved 96%See how an extra 1%–5% of salary could turn into real monthly retirement income.
See what the increase alone adds — without rebuilding your full retirement plan.
Compare keeping the increase for 1 year, 5 years, or until retirement.
Translate the added balance into a concrete monthly income estimate.
See the estimated take-home impact today alongside the long-term upside.
+2% could add about $500/month in retirement income,
That’s from one small change.
Based on a 30-year-old earning $85,000 with a 7% return. Your result will differ.
Three tools for three different questions about your 401k.
See what raising your savings rate alone could add by retirement.
Explore impactEvery estimate should be explainable. The calculator and guides are designed to make assumptions visible and decisions clearer.
Formulas, assumptions, and model limitations are documented in plain language.
Read methodologyOutputs are planning estimates to support decisions, not personalized financial advice.
About 401kcalcGuides are built to explain practical retirement tradeoffs and connect directly to scenario modeling.
Explore guidesEvery scenario is inspectable so you can stress-test outcomes instead of relying on a black-box score.
Open calculatorConcise, reviewed explainers to support contribution strategy, tax decisions, and employer match optimization.
Tax Strategy
Reviewed March 15, 2026
The 2026 401k limits, catch-up amounts, and paycheck planning math in plain English.
5 min read
Read guide
Contribution Strategy
Reviewed March 15, 2026
A practical guide to choosing a 401k contribution percentage that fits your budget and goals.
5 min read
Read guide
Life Events
Reviewed March 15, 2026
A clear rollover-vs-IRA-vs-leave-it decision guide for your old 401k.
5 min read
Read guide
Start with your current numbers, then adjust contribution rate, retirement age, and assumptions to compare outcomes clearly.