Finsanta financial tool
401(k) calculator with compound interest
Estimate the future value of 401(k) contributions using compound growth assumptions.
Your estimate
$594,395.17
Estimated future value
Starting balance
$40,000.00
Contributions
$180,000.00
Estimated growth
$374,395.17
Turn contributions into a retirement projection
Use your current 401(k) balance, contribution amount, time horizon, and a range of return assumptions to create a simple planning estimate. Review your plan documents for contribution and matching rules.
Add the match
Employer contributions can meaningfully change the projection.
Review annually
Update the balance and contribution as your income changes.
Separate tax treatment
Traditional and Roth balances are not interchangeable.
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Frequently asked questions
How does a 401(k) compound?
Contributions are invested and potential returns can remain invested, allowing future returns to build on prior growth. Results are not guaranteed.
Should I include employer matching?
Yes, if you estimate the match separately and add it to your expected contribution, while respecting the plan's rules and limits.
Are 401(k) contributions tax-free?
Traditional and Roth contributions have different tax treatment. This calculator shows growth only and does not estimate taxes.