Quick Growth Projection
Quick Match Check
Quick Limit Check
Which Calculator Should You Use?
Different questions call for different tools. Start with the one that matches what you're actually trying to figure out — each calculator links back here and to the others, so you can move between them as your question changes.
"What will my 401(k) be worth?"
Use the full 401(k) Growth Calculator to model your balance, contributions, employer match, and compound growth together over time.
"Am I getting my full employer match?"
Use the Employer Match Optimizer to see exactly how much match you're capturing versus leaving unclaimed.
"How much more can I contribute this year?"
Use the Contribution Limit Checker to see your remaining room, including catch-up eligibility by age.
"Should I choose Roth or Traditional?"
Use the Roth vs. Traditional Calculator to compare both tax treatments side by side using your own numbers.
Formation — Scripture-Grounded Bible Study
Ask the Word, cross-referenced study tools, and reading plans that go deeper than a Sunday sermon. Free to start.
Try Formation Free →All Calculators
401(k) Growth Calculator
Project your full retirement balance with contributions, employer match, and compound growth.
Open Calculator →Employer Match Optimizer
See exactly how much free money you're leaving unclaimed if you're not maxing your match.
Open Calculator →Contribution Limit Checker
Check your remaining 2026 contribution room, including catch-up eligibility by age.
Open Calculator →Roth vs. Traditional Comparison
Compare tax-now vs. tax-later scenarios side by side based on your expected tax rates.
Open Calculator →From the Blog
How 401(k) Compound Growth Actually Works
Read More →Never Leave Employer Match Money on the Table
Read More →Roth vs. Traditional 401(k): Which Is Right for You?
Read More →How We Build These Calculators
Every calculator on this site runs entirely in your browser — nothing you type is sent to a server or stored anywhere, and no account is required to use any tool. Each one shows the assumptions behind its math (growth rate, match formula, tax rate) rather than hiding the calculation behind a single black-box number.
Common Questions
Is RetirementCalcPro free to use?
Yes. Every calculator is free, requires no account or sign-up, and runs directly in your browser.
Does RetirementCalcPro give personalized financial advice?
No. These are educational, general-purpose calculators. They illustrate how retirement math works based on numbers you enter — they don't know your full financial picture and shouldn't replace advice from a licensed financial or tax professional.
What return rate do the calculators assume?
You control the return-rate input yourself. Many people use a long-term historical average for a diversified stock portfolio (commonly cited as being in the 6–8% range) as a starting point, but no return is ever guaranteed — adjust it to match your own risk tolerance.
Are the 2026 contribution limits shown here current?
They reflect the IRS's published 2026 figures at the time this page was last reviewed. Because plan-specific rules can vary and the IRS updates limits annually, verify the current limit directly with the IRS or your plan administrator before finalizing a contribution decision.
Do these calculators account for investment fees?
Not directly in the core growth projection, which uses a simplified constant-return model. Fees (expense ratios, plan administration fees) reduce your effective return, so a more conservative return-rate input is a reasonable way to approximate their drag.
Is my data saved when I use a calculator?
No. Calculations happen locally in your browser session and are not transmitted to or stored on our servers.