401(k) Value Calculator

401(k) Value Calculator helps you to understand how much money you can accumulate by making monthly contributions to your 401(k) account. Enter the amount you plan to add to your account each month, and the expected interest rate.

A 401(k) can be one of your best tools for creating a secure retirement. It provides you with two important advantages. First, all contributions and earnings to your 401(k) are tax deferred. You only pay taxes on contributions and earnings when the money is withdrawn. Second, many employers provide matching contributions to your 401(k) account which can range from 0% to 100% of your contributions.  There are several ways to manage your 401(k) balance when you leave an employer. The most fundamental of which is should you spend it or save it?

Salary - Enter your current annual salary.
Percentage contribution - Enter a percentage between 1% and 15% that represents the percentage of your income that you wish to withhold into your 401(k) account. The withholding may not exceed 15%. Also, you cannot contribute more than $9,500 to your 401(k) account in any year, so adjust this percentage to make sure that the total annual withholding does not exceed $9,500.
Interest Rate - Enter the interest rate you expect to earn. To give you two ideas, current CD rates run between 5% and 6%, while the stock market has returned an average of 10% or so for many years. For 6%, enter 6 in the entry field.
Click this button to calculate the account value.
Yearly withholding - This is the amount that will be withheld from your salary each year. This number cannot exceed $9,500.
Monthly withholding - This is the yearly withholding divided by 12.
1 year value - This is the total value of your 401(k) account at the end of 1 year.
2 year value - This is the total value of your 401(k) account at the end of 2 years.
3 year value - And so on...
4 year value
5 year value
10 year value
15 year value
20 year value
30 year value
40 year value

Disclaimer: These calculations are only estimates and should not be used to determine actual loan costs. We encourage you to seek personalized advice from qualified Artisan Mortgage professionals regarding all personal mortgage issues.