Max 401(k) Contribution Growth Over 30 Years
Maxing out a 401(k) at roughly $1,916/month for 30 years at 7% can grow to over $2.1 million.
How to use this tool
- Enter starting amount, monthly contribution, annual return rate and years in the fields above.
- Results update instantly as you type — or click Calculate.
- Read your final balance and the full breakdown beneath it.
Project the total wealth built by maxing out 401(k) contributions every year for a full 30-year career.
Frequently asked questions
- Is the contribution added monthly?
- Yes — your monthly amount is added every month and compounds at one-twelfth of the annual rate.
- What return rate should I use?
- Long-run global stock returns have averaged roughly 7% after inflation, but future returns are not guaranteed. Try a range to see best/worst cases.