Free 401k Calculator

401k Savings Calculator for Excel

Estimate your future 401(k) balance. Enter your current age, age at retirement, your current balance, annual salary, expected annual raise in salary, your annual contribution/investment, your employer's matching contribution, and the expected annual rate of return.

One of the unique features of this calculator is the option to specify a random rate of return - one that changes from year to year. Ever wonder how a fluctuation in the market could affect your investment? Just press F9 a bunch of times to see how the graph of the balance changes.

You can also track your 401(k) balance over time using the Balance worksheet included in the workbook. It calculates the internal rate of return, which you can use to compare to other investments or figure out how your stock/bond portfolio is performing.