See exactly where your retirement savings are headed — and how to improve the outcome.
 
Planning for retirement shouldn’t feel like guesswork. This easy-to-use 401(k) Calculator helps you project your future retirement balance, understand the impact of your contributions and employer match, and make smarter decisions about your money — all in a simple Excel spreadsheet you control.
 
Whether you’re just starting your career or fine-tuning your retirement plan, this calculator gives you clear, realistic projections based on your actual inputs.
 
What This Calculator Does
 
The 401(k) Calculator estimates how your retirement savings can grow over time based on:
Your current age and planned retirement age
Current 401(k) balance
Salary and expected annual raises
Your personal contribution percentage
Employer match percentage and match limits
Assumed annual rate of return
 
With these inputs, the calculator automatically projects:
Years left to invest
Annual contributions (employee + employer)
Total retirement balance at retirement
A year-by-year growth breakdown
 
No complicated formulas to build. No financial jargon to decode.
 
Built for Real-World Use
This product includes three integrated worksheets:
1. 401(k) Calculator
The main calculator where you enter your assumptions and instantly see projected results. All editable cells are clearly highlighted so you know exactly where to input your information.
 
2. Balance Tracker
Track your actual 401(k) balance over time by entering monthly or statement balances. This allows you to compare real progress vs. projections and stay accountable to your plan.
 
3. Instructions Sheet
Step-by-step guidance that walks you through:
What to enter
Where to enter it
How to customize or extend the tracker
 
No prior Excel expertise required.
 
How You Can Use It
Plan your retirement strategy with realistic assumptions
Test “what-if” scenarios (increase contributions, change retirement age, adjust employer match)
Stay motivated by seeing how small changes compound over time
Track real balances alongside projected growth
Use it year after year as your salary and goals change
 
This tool is ideal for:
Individuals managing their own retirement planning
Financial coaches and advisors
Educators teaching personal finance
Anyone who wants clarity and control over their 401(k)
 
Important Notes
Taxes and IRS contribution limits are not factored into the calculations
The calculator assumes a fixed annual rate of return
This tool is for educational and planning purposes, not personalized financial advice
 
What You’ll Receive
A fully functional Excel (.xlsx) file
Clear instructions built into the spreadsheet
Instant digital download
Lifetime use — no subscriptions, no logins
 
Take Control of Your Retirement
 
Small decisions today can make a massive difference tomorrow. This 401(k) Calculator helps you see the long-term impact of your choices and gives you the confidence to plan ahead with clarity.