WealthyCalc

401k Retirement Calculator

See what your 401k could be worth at retirement.

Enter a few basics and get an instant projection of your 401k balance, contributions, and growth with clear, readable results.

CalculatorProjectionFormulaDefinitionsFAQ

Your information

All values are yearly unless noted.

Results

Based on 35 years until retirement at 65.

Projected balance

$1,014,483

Total contributions

$210,000

Investment growth

$759,483

Expected return

6%

At age 65, your 401k could be worth $1,014,483 with $210,000 contributed and $759,483 from growth.

Definitions

401k
Employer-sponsored retirement savings plan in the U.S.
USD
United States dollars.
FAQ
Frequently asked questions.

Year-by-year 401k projection

Each bar shows the estimated balance at the end of each year.

Age 31
$53,700
Age 32
$62,922
Age 33
$72,697
Age 34
$83,059
Age 35
$94,043
Age 36
$105,685
Age 37
$118,026
Age 38
$131,108
Age 39
$144,974
Age 40
$159,673
Age 41
$175,253
Age 42
$191,768
Age 43
$209,275
Age 44
$227,831
Age 45
$247,501
Age 46
$268,351
Age 47
$290,452
Age 48
$313,879
Age 49
$338,712
Age 50
$365,035
Age 51
$392,937
Age 52
$422,513
Age 53
$453,864
Age 54
$487,096
Age 55
$522,321
Age 56
$559,661
Age 57
$599,240
Age 58
$641,195
Age 59
$685,666
Age 60
$732,806
Age 61
$782,775
Age 62
$835,741
Age 63
$891,886
Age 64
$951,399
Age 65
$1,014,483

How this works

  1. We start with your current balance and apply the expected return each year.
  2. We add your annual contribution at the end of each year.
  3. The projection repeats until you reach retirement age, then totals contributions and growth.
Total contributions
The sum of yearly deposits you make into your 401k.
Investment growth
The projected earnings from market returns over time.

Formula and assumptions

Balancet+1 = Balancet × (1 + r) + Annual Contribution, where r is your expected annual return.

Contributions are added once per year, growth compounds annually, and taxes or fees are not included.

Last updated: 2026-02-01

FAQ

Is this a guarantee?

No. This is a projection based on your inputs and does not account for taxes, fees, or market volatility.

How often is the return applied?

The calculator applies your expected return once per year for simplicity.

Can I use this for a Roth 401k?

Yes, but remember Roth contributions are after-tax and may change retirement withdrawals.