Retirement Calculator: 401k

The Retirement & 401k Calculator is a pure, 100% private retirement savings calculator that shows you exactly where your portfolio is heading. 401k Calculator helps you answer all your question in minutes. Enter your age, salary, current balance, and a few details about your plan, all your data is saved on your device, offline and free to use.

Whether you are 25 and opening your first IRA, or 55 and maximizing your employer match, get a crystal-clear, year-by-year roadmap to your target retirement date — zero account syncing required. Start your retirement planning today.

Answers to your retirement questions:
• How much do I need to retire?
• Am I on track to retire at 65 — or any age I choose?
• How much will my 401(k) be worth at retirement?
• How much free money is my employer match adding?
• Can I retire early? (FIRE & Coast FIRE planning)
• How much monthly income will my savings pay me in retirement?
• How do compound interest and inflation change my future balance?
• What happens if I save $100 or $200 more per month?
• How much of my gap will Social Security or a pension cover?
• Is there a retirement calculator that does not link to my bank account?

Retirement & 401k Calculator is made for:
• Young savers (25–35) — open your first 401(k) or Roth IRA and let compound interest do the heavy lifting; see exactly what a small head start is worth.
• Mid-career employees (35–50) — never leave free money behind: calculate your exact employer match, including tiered "match up to X%" rules.
• FIRE followers — run the numbers on Financial Independence, Retire Early with the 4% safe withdrawal rule and inflation-adjusted targets.
• Near-retirees (50+) — stress-test your nest egg, project monthly income from savings plus Social Security, and close the gap before you retire.
• Freelancers & self-employed — use the IRA calculator to plan Roth IRA and solo 401(k) contributions without an employer plan.
• Privacy-first users — 100% offline math. No bank logins, no Plaid, no account syncing, no data harvesting. Your numbers never leave your device.

Core features:
• Visual compound interest — interactive growth chart and year-by-year projection table.
• Precision employer match calculator — including "match up to X%" tiers.
• The 4% safe withdrawal rule, inflation-adjusted, for exact monthly take-home income.
• Actionable gap closing — exactly how much more to save per month, or how long to delay retirement.
• "What-if" scenarios — save and compare up to 3 plans side by side.
• PDF export & share — email your full retirement report in one tap.
• Dark mode, dynamic color, and works fully offline.
• Your free pocket retirement planner.

100% PRIVATE. NO BANK LOGINS. NO ACCOUNT SYNCING.
Get Lifetime PRO — pay once, keep it forever: ad-free with unlimited saves and exports. start using our free retirement calculator no bank login and get Social Security calculator features.