401(k) Calculator
Monthly Pay:
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| Current | Total |
|---|
Result
Principal / Base
Growth / Benefit
Tax / Cost
Other
Detailed Calculation
Enter your values and click Calculate to see the calculation.
What can you use this calculator for?
Free 401(k) Calculator for USA users with clear, instant results.
- See how money can grow over time.
- Compare different rates, amounts and periods.
- Understand the effect of compounding and regular saving.
- Plan savings goals with a clear projection.
Important functions and useful information
Future value
Total invested
Estimated gain
Year-wise growth table
Planning & Forecasting
You can change the inputs several times to create different scenarios. This is useful for comparing possible outcomes before making a decision.
Growth projection
The table shows how the balance builds year by year.
Scenario testing
Change the rate or period to see best-case and cautious-case outcomes.
How to use this calculator
- Enter the required values in the calculator above.
- Check that the units, rate and period are correct.
- Click Calculate.
- Review the main result and the detailed breakdown.
- Change one or more values to compare another scenario.
Frequently Asked Questions
What is a step-up SIP?
It raises your monthly investment by a fixed percentage every year, which usually builds a much larger corpus than a flat SIP.
Are investment returns guaranteed?
No. The tool assumes a constant rate. Real returns vary, and past performance does not guarantee future results.
Does the result include tax?
No. Taxes, fees and charges are not deducted unless stated, so your actual amount may be lower.
Can I change the inputs and recalculate?
Yes. Change any value and press Calculate. The result, the table and the explanation update straight away.
Note
Market returns are not guaranteed. The result assumes a constant return and investments made at the start of each month.