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401k Calculator — Starting at Age 40

Starting your 401(k) at 40? See how much you can still accumulate by retirement.

Current Age

Retirement Age

Annual Salary ($)

Your Contribution (%) (%)

Employer Match (%) (%)

Current 401(k) Balance ($)

Annual Raise (%) (%)

Expected Annual Return (%) (%)

Projected Balance at Retirement

$1,002,419.98

Your Total Contributions

$288,272.70

Total Employer Match

$86,481.81

Total Investment Growth

$617,665.48

2026 401(k) contribution limit: $23,500 ($31,000 if age 50+). Employer match shown separately.

2026 401(k) contribution limit: $23,500 ($31,000 if age 50+). Employer match shown separately.