Salary before tax
$
You contribute
% of pay
Type
Traditional (pre-tax)
Roth (after tax)
Employer matches
% of what you put in
up to
% of pay
Filing status
Single
Married filing jointly
Head of household
State
No state income tax
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
401(k) balance now
$
Your age now
years
Retire at
years
Growth and inflation assumptions
Investment growth a year
%
Fees a year
%
Inflation
%
Pay rises a year
%
Each year now
You put in
–
Costs you in take-home pay
–
Tax saved now
–
Employer match
–
At retirement
Pot in today’s money
–
Pot in future money
–
Income it could give, a year
–
You and your employer put in
–
How the pot grows
Age
Today’s money
Future money
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401(k) calculator 2026
· Free calculators at
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