401k Calculator — How Much Will You Have at Retirement?
Project your 401k balance at retirement. See the impact of contribution rate, employer match, and investment returns.
EPF
Employee 12% + employer 12% of basic। 8.15% interest (2023-24)। ₹30,000 basic, 30 years: ~₹1.5 crore corpus! Tax-free up to ₹2.5L/year contribution। Voluntary PF (VPF): extra contribution at same rate — excellent investment।
NPS
Extra ₹50,000 deduction (80CCD(1B)) over and above 80C। Market-linked returns (8-12% historical)। 60% lump sum + 40% annuity at retirement। Best used as supplement to EPF।
The 2025 401k contribution limit is $23,500 ($31,000 for age 50+). If you max it out for 30 years at 8% returns, your 401k alone grows to $2.95 million. Even if you start maxing at age 35 (25 years), you reach $1.95 million. The 401k is the single most powerful wealth-building tool available to most Americans.
