401(k) Growth Projector
Project your 401(k) balance at retirement. Models contribution, employer match, salary growth, and compound returns.
FAQ
What's the 4% rule?
A common rule of thumb: in retirement, you can withdraw 4% of your portfolio annually with reasonable confidence of not running out over 30 years. So a $1M portfolio funds ~$40k/yr of income. It's a starting point, not a guarantee.
What return should I assume?
Historical US stock market averages ~10% nominal / ~7% real (after inflation). 7% is a reasonable real-return assumption. Returns vary widely year to year and decade to decade.
Should I contribute more than my employer match?
At minimum contribute enough to get the full match — it's free money. Beyond that, max out the IRS limit ($23,500 in 2026) if you can; otherwise contribute as much as your budget allows.
What if my returns are lower?
Markets are volatile. A "lost decade" (like 2000s) followed by recovery would shift these numbers significantly. Diversify, don't time the market, and revisit assumptions annually.
Disclaimer. Projections assume steady returns; markets are volatile. Inflation reduces real purchasing power. Tax treatment at withdrawal varies by account type. Consult a fiduciary financial advisor.