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US 401(k) & Match Calculator

Calculate tax-deferred compounding, employer 401(k) match growth, and estimated monthly retirement income.

401(k) & Match Details

Calculate tax-deferred compounding with your company 401(k) match.

Timeline & Salary
yrs
18 yrs70 yrs
yrs
31 yrs75 yrs
₹
₹25K₹5L
%
0%10%
Contributions & Employer Match
₹
₹0₹10L
%
1%30%
%
0%100%
%
1%15%
Market Assumptions
%
4%14%
Projected 401(k) Balance at Retirement
₹36,90,498

Includes ₹1,72,317 in free employer matching contributions.

Free Employer Match
₹1,72,317
Market Growth
₹28,99,155
Monthly 4% Draw
₹12,302/mo

Wealth Accumulation Breakdown

  • Your Contributions17%
  • Employer Match5%
  • Compound Growth79%
Initial + Your Deposits
₹6,19,025
Out-of-pocket savings
Free Employer Match
₹1,72,317
Added by company
Total Investment Return
₹28,99,155
Market gains

Account Growth Trajectory

Tax-sheltered 401(k) compounding over time

Never Leave Company Match Behind
In your first year alone, contributing 10% earns you an extra ₹2,850 in guaranteed employer matching dollars. That is an immediate, risk-free return on your savings before market gains!

401(k) vs Roth 401(k) / Roth IRA: Which is Better?

A 401(k) plan is a tax-advantaged defined-contribution retirement account offered by American employers under Section 401(k) of the Internal Revenue Code.

Traditional 401(k)

Contributions are made with pre-tax dollars, lowering your taxable income this year. Growth compounds tax-deferred, and withdrawals in retirement are taxed as ordinary income.

Roth 401(k) / Roth IRA

Contributions are made with after-tax dollars. Your investments grow 100% tax-free, and all qualified withdrawals after age 59½ are completely tax-free forever.

Annual Employer Match = Min(Your Contribution, Salary × Match Cap) × Match Rate
Cap
Maximum percent of base salary eligible for employer matching
Match
Rate of match (e.g. 50% match on first 6% of salary)
What is the 2025/2026 401(k) contribution limit?
The standard IRS employee contribution limit is $23,500. Workers aged 50 and older can make an additional catch-up contribution of $7,500 (or $11,250 under SECURE 2.0 Act for ages 60–63).
When can I withdraw money without penalty?
You can withdraw funds penalty-free starting at age 59½. Withdrawals taken before age 59½ are subject to ordinary income tax plus a 10% IRS early distribution penalty, with limited exceptions (Rule of 55, hardships, loans).
What happens to my 401(k) if I switch jobs?
When you leave an employer, your 401(k) balance remains yours. You can roll it over into an IRA (Individual Retirement Account) or into your new employer's 401(k) without incurring taxes or penalties.

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