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401k Retirement Calculator

Free 401k calculator to plan retirement savings. Calculate 401k growth with employer match, project future balance, and maximize retirement contributions.

๐Ÿฆ 401k Growth Strategies

Choose your contribution level and see your retirement future

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2024 IRS limit: $23,000 (under 50), $30,500 (50+)

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Average employer match: 3-6%

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Historical S&P 500 average: ~10%

๐Ÿ’ก401k Success Tips

โœ“Max employer match: Always contribute enough to get full employer match - it's free money!
โœ“Increase annually: Bump your contribution 1-2% each year with raises
โœ“Start early: Time in market beats timing the market - compound interest is powerful
โœ“Diversify: Use target-date funds or diversified index funds for balanced growth

Why Koolyz?

  • โœ“100% Free Forever - No Hidden Costs
  • โœ“No Sign-up or Registration Required
  • โœ“Privacy First - Runs Locally in Your Browser
  • โœ“Fast & Reliable - No Watermarks