Federal 401(k)
Project a Federal 401(k) balance from contributions and employer match.
About Federal 401(k)
Projection of a Federal 401(k): your monthly contribution plus the employer match (as a percent of salary) grow at the assumed return. Many employers match up to a few percent of pay.
Formula
FV
FV = compounding monthly contributions + match
Worked example
With the default values below, Federal 401(k) returns Projected Balance of $477,128.72. Change any input above and every figure here is recalculated in your browser.
Inputs used
- Current balanceminimum 0
- 30,000
- Your monthly contributionminimum 0
- 400
- Employer match %accepts 0–10
- 4
- Annual salaryminimum 0
- 85,000
- Annual returnaccepts 0–15
- 7
- Yearsaccepts 1–45
- 20
Results
- Projected Balance
- $477,128.72
- Your Contributions
- $96,000.00
- Employer Match
- $68,000.00
Step by step
- 1Values used
- 2FV
- 3Projected Balance= 477,128.72
- 4Your Contributions= 96,000.00
- 5Employer Match= 68,000.00
Assumptions and limits
- The result is derived only from the 6 inputs listed above. Anything not among them is not part of the calculation.
- In particular, this calculator does not take inflation, tax or fees or charges into account.
- Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
- Projection only.
- This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.
How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.
Projection only.
Frequently Asked Questions
Should I max out the match?
Almost always — the employer match is free money that typically dwarfs fees.
How accurate is this estimate?
Rates are approximate reference values. Local rates, exemptions and rules can differ, so treat the output as a planning figure only.