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Retirelens Calculator

How much will my 401(k) be worth at retirement?

Project your 401(k) balance with employer match, salary growth, IRS contribution limits, and investment returns. See your after-tax retirement income estimate in today's dollars.

On track

Projected 401(k) at retirement

$1.6M

After-tax value: $1,283,396. Sustainable annual income (today's dollars): $30,070/yr.

Real value today's $

$645K

Est. tax savings (yr 1)

$2,200

Your 401(k) details

Use rough numbers to start. Refine as you go.

10%

e.g. 50 = 50% match

6%
3%

Your retirement projection

Projected balance

$1,565,117

After-tax value

$1,283,396

Your contributions

$405,681

Employer match

$121,704

373941434547495153555759616365$0$400K$800K$1.2M$1.6M

Contribution breakdown

Your contributionsEmployer match$0$150K$300K$450K$600K

What this means

Your 401(k) projection assumes contributions, employer match, and investment growth compound until retirement age 65. Employer match is applied up to 6% of salary at a 50% rate.

The after-tax value applies your estimated 18% retirement tax rate to the full balance at withdrawal. The sustainable income estimate shows how much you could withdraw annually (in today's dollars) over a 25-year retirement.

This is a planning estimate, not a guarantee or financial advice.

Plan more than your portfolio

Your finances are one lens. A confident retirement also needs clarity on health, purpose, relationships, and legacy — the same pillars we use across Retirelens.

Financial Readiness

Know where you stand and what to do next with your money.

74% of planners reported satisfaction with retirement income vs. 43% of non-planners (Goldman Sachs)

Health & Wellness

Secure solid coverage, stay ahead with preventive care and healthy habits a staple.

68% of adults ages 50–64 said they were concerned that federal policy changes could affect their health insurance coverage. (University of Michigan)

Lifestyle & Purpose

Shape days you look forward to, with steps to get there.

Research shows that a stronger sense of purpose is associated with lower mortality risk among adults over age 50. (American Medical Association)

Social Connections

Strengthen relationships and build a support circle.

A longitudinal study of adults aged 65+ found that older adults with more diverse social networks had a lower risk of death and better cognitive and physical function than those with less diverse networks. (Chico Health Aging Project)

Legacy Planning

Organize your assets and document so your family isn't left guessing.

Without a proper estate plan, more than half of families experience disputes or have assets end up under court control. (LegalShield)

How this calculator works

Each year, your prior balance grows at the selected annual return. Then your employee contribution (capped at 2026 IRS deferral limits) and employer match are added.

For Traditional 401(k), the retirement tax rate is applied to the nominal balance to get after-tax value. For Roth, the full balance is after-tax. The real value divides by the inflation factor over the accumulation years.

Help

Frequently asked questions

Straight answers to common questions about this calculator.