401(k) planning calculator
Project how a 401(k) could grow from your balance, salary, contribution rate, employer match, and time.
Your assumptions
How this is calculated
Each year: your contribution = salary × rate; match = salary × min(your rate, match cap) × match rate; balance = balance × (1 + return) + contribution + match. Salary then rises by the growth rate. First-year contribution here: $6,800 plus $2,550 match.
Assumptions: constant return, contributions added at year end, no taxes, fees, vesting limits, or IRS contribution limits. Many employers set their own match formula; check your plan documents.
Common questions
What does this 401(k) planning calculator estimate?
It projects a balance using current savings, salary, employee contributions, an employer match, years to grow, and an assumed constant return. Contributions are added at year end. The result is a hypothetical projection, not a forecast.
Does this 401(k) calculator enforce IRS contribution limits?
No. It does not enforce IRS contribution limits, model vesting, or include taxes and fees. Match rules differ by employer. Check current IRS rules and your plan documents before choosing a contribution amount.
Sources and verification
- SEC Investor.gov: mutual funds
Investments can lose value, and past performance does not predict future returns. Compare risks and costs, not just returns.
These sources provide general education or public records, not an endorsement of Luparius. Luparius is not affiliated with Social Security, Medicare, or the SEC.
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Published by Luparius Asset Management & Brokerage in Park City, Utah. Meet Keith Lamb, President and CEO, and ask about current services, fees, and applicable disclosures.
Educational content, not individualized investment, tax, or legal advice. Calculations are hypothetical; investment results and future income are not guaranteed. Dated videos may not reflect current rules or product terms.