401(k) Savings Calculator

http://www.vertex42.com/Calculators/401k-savings-calculator.html

2008-2015 Vertex42 LLC

Using This Worksheet

401(k) Plan Assumptions

Summary of Results

Current Age
35
Age at Retirement
65
Balance and Salary
Current 401(k) Balance
$
Current Annual Salary
$
50,000
Annual Increase in Salary
2.0%

NOT factored into the calculations. You must

check to ensure that you are not contributing
more than the 401(k) Limit.

Future Value

$
$

Estimated Value After 30 Years

Ending Salary

Contributions

675,139
88,792

Total Contributions

10.00%
50.0%
6.0%

% of Salary to Contribute
Employer Match (% of contrib.)
Employer Maximum (% of salary)

Taxes and IRS Contribution Limits are

30

Years to Invest

$
$
$

Your Contributions
Employer Contributions
Total Contributions

202,840
60,852
263,693

Set Chart Y-Axis to a Fixed Value

When making comparisons using the graph,
it helps to set the y-axis on the chart to some
maximum $ amount. Right-click on the $ axis, select
Format Axis, go to the Scale tab, uncheck the box
next to Maximum, and set the max value.

Return

6.00%

Annual Rate of Return

Payments Per Year

$800,000
[42]

$700,000
$600,000

12

0.00

Balance

$500,000

-4.00%
10.00%
6.00%

Min

Total Contribution

Max

$400,000
$300,000

Off

Random Rates

My Contribution

Average

(Press F9 to Recalculate)

$200,000
$100,000
$20

25

30

35

40

Salary

45
Age

50

55

Annual
Contribution

60

65

Employer
Contribution

70

[42]

Interest

Balance

My
Total
Contribution Contribution

Year

Age

Rate

35

6.00%

50,000

5,000

1,500

181.76

6,681.76

5,000

6,500

36

6.00%

51,000

5,100

1,530

597.51

13,909.28

10,100

13,130

37

6.00%

52,020

5,202

1,561

1,047.00

21,718.88

15,302

19,893

38

6.00%

53,060

5,306

1,592

1,532.46

30,149.19

20,608

26,790

39

6.00%

54,122

5,412

1,624

2,056.28

39,241.28

26,020

33,826

40

6.00%

55,204

5,520

1,656

2,621.00

49,038.80

31,541

41,003

41

6.00%

56,308

5,631

1,689

3,229.30

59,588.16

37,171

48,323

42

6.00%

57,434

5,743

1,723

3,884.06

70,938.67

42,915

55,789

43

6.00%

58,583

5,858

1,757

4,588.31

83,142.77

48,773

63,405

10

44

6.00%

59,755

5,975

1,793

5,345.29

96,256.16

54,749

71,173

11

45

6.00%

60,950

6,095

1,828

6,158.44

110,338.06

60,844

79,097

12

46

6.00%

62,169

6,217

1,865

7,031.41

125,451.40

67,060

87,179

13

47

6.00%

63,412

6,341

1,902

7,968.09

141,663.06

73,402

95,422

14

48

6.00%

64,680

6,468

1,940

8,972.60

159,044.10

79,870

103,831

15

49

6.00%

65,974

6,597

1,979

10,049.32

177,670.03

86,467

112,407

16

50

6.00%

67,293

6,729

2,019

11,202.93

197,621.11

93,196

121,155

17

51

6.00%

68,639

6,864

2,059

12,438.36

218,982.57

100,060

130,078

18

52

6.00%

70,012

7,001

2,100

13,760.88

241,845.02

107,062

139,180

19

53

6.00%

71,412

7,141

2,142

15,176.07

266,304.69

114,203

148,464

20

54

6.00%

72,841

7,284

2,185

16,689.89

292,463.85

121,487

157,933

21

55

6.00%

74,297

7,430

2,229

18,308.62

320,431.13

128,917

167,592

22

56

6.00%

75,783

7,578

2,273

20,038.98

350,321.94

136,495

177,443

23

57

6.00%

77,299

7,730

2,319

21,888.09

382,258.90

144,225

187,492

24

58

6.00%

78,845

7,884

2,365

23,863.51

416,372.26

152,109

197,742

25

59

6.00%

80,422

8,042

2,413

25,973.28

452,800.39

160,151

208,197

26

60

6.00%

82,030

8,203

2,461

28,225.94

491,690.27

168,355

218,861

27

61

6.00%

83,671

8,367

2,510

30,630.55

533,198.03

176,722

229,738

28

62

6.00%

85,344

8,534

2,560

33,196.74

577,489.53

185,256

240,833

29

63

6.00%

87,051

8,705

2,612

35,934.74

624,740.93

193,961

252,150

30

64

6.00%

88,792

8,879

2,664

38,855.44

675,139.36

202,840

263,693

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2008 Vertex42 LLC

http://www.vertex42.com/Calculators/401k-savings-calculator.html

Page 1 of 9

$200,000
$100,000
$20

25

30

Year

Age

Rate

#N/A

#N/A

#N/A

2008 Vertex42 LLC

35

40

Salary
#N/A

45
Age

50

55

Annual
Contribution
#N/A

60

65

Employer
Contribution
#N/A

70

Interest

Balance

#N/A

#N/A

http://www.vertex42.com/Calculators/401k-savings-calculator.html

My
Total
Contribution Contribution

Page 2 of 9

Tracking 401(k) Rate of Return

http://www.vertex42.com/Calculators/401k-savings-calculator.html

2008-2015 Vertex42 LLC

Cumulative Contribution

Begin:
S
T
A
T
E
M
E
N
T
S

Date
31-Dec-08
31-Jan-09
28-Feb-09
31-Mar-09
30-Apr-09
31-May-09
30-Jun-09

My
Employer
Value
Contribution Contribution (Balance)
826.00
413.00
1250.00
134.00
67.00
1545.64
134.00
67.00
1694.69
134.00
67.00
1866.77
134.00
67.00
2052.84
200.00
100.00
2359.15
134.00
67.00
2475.13

My

Employer

Total

Contribution

Contribution

Contribution

$3,000

1239.00

424.00

11.00

960.00

480.00

1440.00

585.64

105.64

94.64

7.6%

547.00

1641.00

600.69

53.69

(51.95)

-3.4%

1228.00

614.00

1842.00

638.77

24.77

(28.92)

-1.7%

1362.00

681.00

2043.00

690.84

9.84

(14.93)

-0.8%

1562.00

781.00

2343.00

797.15

16.15

1696.00

848.00

2544.00

779.13

(68.87)

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45.9%
-2.7%

VALUE

$2,000
$1,500
$1,000
$500
$31-Jan-09

28-Feb-09

31-Mar-09

30-Apr-09

31-May-09

% Change

1094.00

Your Contributions

31-Dec-08

Change in
Gain(Loss)

413.00

Company Match

$2,500

Total Gain
(Loss)

826.00

Insert new rows above this one

Personal ROI:
Portfolio ROI:

Fund Performance
Personal
Gain(Loss)

30-Jun-09

6.31
(85.02)

0.3%
-3.6%

HELP
http://www.vertex42.com/Calculators/401k-savings-calculator.html

About This Template

Balance Worksheet Instructions

Additional Help

SEE ALSO
SEE ALSO
TIPS

p://www.vertex42.com/Calculators/401k-savings-calculator.html

2008-2015 Vertex42 LLC

bout This Template

General help information for how to use each calculator is provided on the right side of each
worksheet. Specific help information for cells is provided via cell comments.

lance Worksheet Instructions

Only edit the cells with the gray background (B6:E16).
1. Enter your beginning statement balance and totals in cells B6-E6
2. At the end of each month, enter your statement date, contributions, and balance in
columns B-E (the cells with the gray backgrounds)
3. To insert a new row, copy an existing row and insert it above the row labeled "Insert
new rows above this one".
Example: Right-click on Row15, select copy, then right-click on Row15 again and select
Insert Copied Cells

dditional Help
The link at the top of this worksheet will take you to the web page on vertex42.com that talks about
this template.

REFERENCES
Vertex42.com: Loan Amortization Schedule
Vertex42.com: Personal Budget Spreadsheet
Vertex42.com: Spreadsheet Tips Workbook

008-2015 Vertex42 LLC

401(k) Savings Calculator

01(k) Savings Calculator

By Vertex42.com
http://www.vertex42.com/Calculators/401k-savings-calculator.html

2008-2015 Vertex42 LLC

This spreadsheet, including all worksheets and associated content is a copyrighted work
under the United States and other copyright laws.
Do not submit copies or modifications of this template to any website or online template
gallery.
Please review the following license agreement to learn how you may or may not use this
template. Thank you.
See License Agreement
http://www.vertex42.com/licensing/EULA_personaluse.html
Do not delete this worksheet. If necessary, you may hide it by right-clicking on the tab and
selecting Hide.