{
  "id": "401k-calculator",
  "version": "7.0.0",
  "name": "401k Calculator",
  "shortName": "401k",
  "description": "Estimate the growth of your 401(k) retirement savings, including employer matching contributions.",
  "category": "Finance",
  "categorySlug": "finance",
  "keywords": [
    "401k"
  ],
  "status": "live",
  "workStatus": "pending",
  "reviewStatus": "pending",
  "migrationStatus": "migrated",
  "migratedDate": "2026-08-18",
  "engine": "legacy-react",
  "creator": null,
  "reviewer": null,
  "quality": {
    "availability": "live",
    "technicalReviewRecord": "/reviews/401k-calculator.json",
    "qualifiedReview": "pending",
    "qualifiedReviewer": null,
    "qualifiedReviewDate": null,
    "formulaVersion": "7.0.0",
    "referenceCoverage": "references-listed",
    "releaseTestScope": "Catalog and regression checks are not a professional formula audit; consult release evidence.",
    "historicalMetadataDate": "2026-08-18",
    "historicalMetadataNotice": "The imported date is not evidence of a completed human review."
  },
  "urls": {
    "page": "/calculator/401k-calculator/",
    "definition": "/calculator/401k-calculator/definition.json",
    "schema": "/calculator/401k-calculator/schema.json",
    "llms": "/calculator/401k-calculator/llms.txt",
    "legacyDefinition": "/calculator/401k-calculator.json"
  },
  "queryExample": "https://askcalculators.com/calculator/401k-calculator/?salary=80000&contributionPercent=10&returnRate=7&currentBalance=50000&years=30&salaryIncrease=2&employerMatch=50&matchLimit=6",
  "queryParameters": {
    "salary": {
      "label": "Annual Salary",
      "type": "number",
      "required": false,
      "default": 80000
    },
    "contributionPercent": {
      "label": "Your Contribution",
      "type": "number",
      "required": false,
      "default": 10
    },
    "returnRate": {
      "label": "Annual Return",
      "type": "number",
      "required": false,
      "default": 7
    },
    "currentBalance": {
      "label": "Current Balance",
      "type": "number",
      "required": false,
      "default": 50000
    },
    "years": {
      "label": "Years to Grow",
      "type": "number",
      "required": false,
      "default": 30
    },
    "salaryIncrease": {
      "label": "Annual Salary Increase",
      "type": "number",
      "required": false,
      "default": 2
    },
    "employerMatch": {
      "label": "Match % of Contribution",
      "type": "number",
      "required": false,
      "default": 50
    },
    "matchLimit": {
      "label": "Match Limit (% of Salary)",
      "type": "number",
      "required": false,
      "default": 6
    }
  },
  "inputs": [
    {
      "id": "salary",
      "label": "Annual Salary",
      "type": "number",
      "defaultValue": 80000
    },
    {
      "id": "contributionPercent",
      "label": "Your Contribution",
      "type": "number",
      "defaultValue": 10
    },
    {
      "id": "returnRate",
      "label": "Annual Return",
      "type": "number",
      "defaultValue": 7
    },
    {
      "id": "currentBalance",
      "label": "Current Balance",
      "type": "number",
      "defaultValue": 50000
    },
    {
      "id": "years",
      "label": "Years to Grow",
      "type": "number",
      "defaultValue": 30
    },
    {
      "id": "salaryIncrease",
      "label": "Annual Salary Increase",
      "type": "number",
      "defaultValue": 2
    },
    {
      "id": "employerMatch",
      "label": "Match % of Contribution",
      "type": "number",
      "defaultValue": 50
    },
    {
      "id": "matchLimit",
      "label": "Match Limit (% of Salary)",
      "type": "number",
      "defaultValue": 6
    }
  ],
  "outputs": [
    {
      "id": "result",
      "label": "Result",
      "format": "text",
      "primary": true
    }
  ],
  "formula": {
    "expression": "Each year: balance = (balance + employee contribution + employer match) × (1 + annual return); salary and contributions then grow by their entered rates."
  },
  "examples": [
    {
      "label": "Reproducible default-input example (not a personal recommendation)",
      "inputs": {
        "salary": 80000,
        "contributionPercent": 10,
        "returnRate": 7,
        "currentBalance": 50000,
        "years": 30,
        "salaryIncrease": 2,
        "employerMatch": 50,
        "matchLimit": 6
      }
    }
  ],
  "sources": [
    {
      "label": "IRS 2026 retirement-plan limits",
      "url": "https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500"
    }
  ]
}