How much should I contribute to a 401(k)?

At least enough to capture your full employer match.

What is a typical 401(k) return?

Depends on your investments; 7% is a common planning estimate.

Generally penalty-free after age 59½.

Home › 401(k) Calculator

Your 401(k) grows through contributions, employer matching, and compound returns on your investments.

Enter your current balance, expected return, years to retirement, and monthly contribution into the compound interest calculator.

Always contribute at least enough to get your full employer match — it is free money that compounds for decades.