Retirement
401(k) Retirement calculator
Project your nest egg with employer match factored in.
Your inputs
$
%
%
$
%
Results
Balance at age 65
$1,781,372
Total contributed (you + match)
$417,700
Investment growth
$1,363,672
Your annual contribution
$8,500
Employer match (annual)
$3,400
Breakdown
Total: $1,781,372
Nest egg composition
0%25%50%75%100%
- Starting balance$25,0001.4%
- Your contributions$280,50015.7%
- Employer match$112,2006.3%
- Investment growth$1,363,67276.6%
Decision Engine
Should you go for this?
Small increases now compound massively.
Increase Savings
Financial fit score45/100
Contribution
0.0%
Target 15%
Employer match
4.0%
Projected balance
$0
Watch out for
- Contributing 0.0% — below your 4.0% employer match. That's free money you're skipping.
- Projected balance falls short of a comfortable retirement target.
AI Insight
Personalized analysis from your numbers
Tap Generate for an AI-written breakdown of what your numbers mean, plus tailored next steps.
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About this calculator
What the 401(k) Retirement calculator does
401(k) Retirement Calculator helps you project your nest egg with employer match factored in. It runs entirely in your browser — your inputs are never sent to a server.
How to use it
- Enter your details: Current age, Retirement age, Annual salary, Your contribution, Employer match, Current 401(k) balance, Avg annual growth.
- Results update instantly as you type — no submit button needed.
- Tap an info icon next to any field for guidance on what to enter.
- Use the Share button to save a permalink that restores your exact inputs.
- Tap Generate on the AI Insight card for a personalized written breakdown.
Tips & context
- Try a few scenarios — adjust one input at a time to see its impact.
- Save useful scenarios to your dashboard for later comparison.
- Pair this with other Retirement calculators for a fuller picture.
FAQ
Frequently asked
Is this calculator free?+
Yes — every CortexCalculator tool is free, requires no signup, and runs locally in your browser.
Is my data private?+
Absolutely. Inputs stay on your device. Only anonymous AI Insight requests (when you tap Generate) leave the page.
How accurate are the results?+
We use standard financial formulas and refresh tax rates annually. Treat outputs as planning estimates, not professional advice.