401(k) / RRSP Planner
Project your retirement balance including employer match and see how contributions, time, and returns stack up.
2025 contribution limit: $23,500 (2025); $31,000 if age 50+
Projected balance at retirement
$1,638,445
Age 65, 35 years from now
Inflation-adjusted value
$675,450
In today's dollars at 2.5% inflation
Your total contributions
$210,000
$6,000/yr × 35 years
Total employer match
$105,000
50% match, capped at $3,000/yr
Investment growth
$1,298,445
At 7% annual return
Employer match ROI
50%
Free return from employer match alone
Balance growth by age
Show the math
Each year, your contribution ($6,000) plus the employer match (capped at $3,000/yr) is added to the balance. The balance then grows at 7% annually, compounded year-over-year for 35 years.
Annual total = $6,000 (you) + $3,000 (employer) | Starting balance: $25,000 | Return: 7% for 35 yrs
Final balance = $1,638,445 | Inflation-adjusted (2.5%) = $675,450 | Growth = $1,298,445
Your $210,000 in contributions and $105,000 in employer match together grew to $1,638,445 — the rest is compound investment growth.