Free 401k Calculator
Estimate Your Future Retirement Savings
Wonder what your 401(k) balance could be by the time you retire? Our free 401(k) savings calculator for Excel can help you estimate how much you could have after investing for a certain number of years. It takes into account your existing balance, annual raises in your salary, your employer's contributions, and the estimated rate of return.

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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.
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Download Now
Cost: Free ($0.00)
File Type: .xls
Size: ~85 KB
Version: 1.0
Required: Microsoft Excel® 2002(XP), 2003, or 2007
- No Installation, - No Macros, - Ad-Free
Technical Support:
Contact Vertex42 via email if you have questions specifically about this spreadsheet.
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Disclaimer: This spreadsheet and the information on this page is for illustrative and educational purposes only. We do not guarantee the results or the applicability to your unique financial situation. You should seek the advice of qualified professionals regarding financial decisions.
More Retirement and Savings Calculators
- Savings Interest Calculator - www.vertex42.com - Similar to the 401k Calculator, but it gives you more flexibility to include extra regular or annual deposits.
- Retirement Savings Calculator - www.vertex42.com - Basic savings calculator, but also includes option to select random annual rates.
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