How to use a 401(k) calculator

1. Enter annual salary.
2. Enter your contribution percent of salary.
3. Enter employer match rate and “match up to” percent from your plan summary (samples work for learning).
4. Optional: enter years and a sample annual return for a growth path.
5. Read annual totals, match left on table, projected balance, and compare table.

Example: $80,000 · 6% · 50% match up to 6%

What it is not

• Not investment or tax advice
• Not IRS limit enforcement
• Not a market return forecast

How we calculate · Questions

Frequently asked questions

What inputs do I need?

Annual salary, your contribution %, employer match rate and “up to” %, and optional projection years and sample return.

Can I share a prefilled link?

Yes—use salary, employee, matchRate, matchUpTo, years, and return parameters.

Sources linked above include U.S. government materials (for example CFPB, FDIC, NCUA, BLS, IRS) where noted. Sample math uses only labeled Nestfigure assumptions—not bank quotes, job offers, or personalized advice. Last reviewed: August 9, 2026.