401(k), Roth IRA, RMD & Retirement Pension Calculator

Project 401(k) employee + employer match growth and calculate IRS Required Minimum Distributions (RMD).

Projected 401(k) / IRA Balance & IRS Required Minimum Distribution (RMD)
$1,125,818
Includes $110,000 free employer match • Age 73 RMD on $850,000: $32,075/yr
Your Contributions (10%) $275,000
Employer Match (4%) $110,000
Compounded Investment Gains $740,818
Annual RMD (÷ 26.5 factor) $32,075
Inputs
USD / yr
Current annual eligible compensation.
%
Percentage of salary you contribute.
%
Effective employer match as % of salary.
years
Accumulation horizon in years.
% / yr
Expected annualized portfolio return.
USD ($)
December 31 balance for Required Minimum Distribution check.
IRS factor (e.g. Age 73 = 26.5, Age 75 = 24.6, Age 80 = 20.2).
Results & Graph
Projected 401(k) / IRA Balance & IRS Required Minimum Distribution (RMD)
$1,125,818
Includes $110,000 free employer match • Age 73 RMD on $850,000: $32,075/yr
Your Contributions (10%)
$275,000
Employer Match (4%)
$110,000
Compounded Investment Gains
$740,818
Annual RMD (÷ 26.5 factor)
$32,075

401(k) Retirement Wealth Composition ($)

Employee Deferrals vs. Employer Match vs. Compounded Market Growth
Graph 1 • 401(k) Retirement Wealth Composition ($) Employee Deferrals vs. Employer Match vs. Compounded Market Growth
Employee Contributions: 275,000 USDEmployer Match: 110,000 USDCompounded Market Growth: 740,818 USD Employee Contributions 275,000 USD Employer Match 110,000 USD Compounded Market Growth 740,818 USD
Graph 2 • Proportional Share Ring Net vs. tax/interest share
TOTAL 1.13M Employee Contributions 275.0k (24.4%) Employer Match 110.0k (9.8%) Compounded Market Growth 740.8k (65.8%)
Graph 3 • Projected Payout / Corpus Across Service & Tenure Horizons Statutory benchmark comparison across brackets or years
0 538.3k 1.08M 5 Yrs: 199,375 199.4k 5 Yrs 10 Yrs: 398,750 398.8k 10 Yrs 15 Yrs: 598,125 598.1k 15 Yrs 20 Yrs: 797,500 797.5k 20 Yrs 25 Yrs: 996,875 996.9k 25 Yrs
Summary: Projected 401(k) balance is $1,125,818 and annual RMD is $32,075.
Summary: Contributing 10% ($917/mo) of a $110,000 salary with a 4% employer match ($367/mo) at 7.5% p.a. over 25 years builds $1,125,818. On a $850,000 retirement balance with an IRS Uniform Lifetime factor of 26.5, the Required Minimum Distribution (RMD) is $32,075/year.

Formula & Mathematical Methodology: Employer-Matched Annuity Growth & IRS RMD Quotient

FV401(k) = (PMTemp + PMTmatch) × [(1 + r)n − 1r],   RMD = BalanceDec 31Life Expectancy Factor
FV_401k = (PMT_emp + PMT_match) × [((1+r)^n − 1) / r]; RMD = Balance_Dec31 / LifeExpectancyFactor
  • LifeExpectancyFactor: Divisor from IRS Publication 590-B Uniform Lifetime Table

Rounding: Rounded to nearest dollar.

Worked Example: $110,000 Salary (10% Employee + 4% Match) for 25 Years at 7.5% & Age 73 RMD on $850,000

Project 25-year 401(k) accumulation and compute Age 73 RMD on an $850k account.

  1. Total monthly contribution = $916.67 employee + $366.67 match = $1,283.33/month.
  2. Over 300 months at 7.5% p.a., balance grows to $1,125,775 ($275k employee + $110k match + $740,775 growth).
  3. Age 73 RMD on $850,000 = $850,000 ÷ 26.5 = $32,075/year.
Result: Projected 401(k) reaches $1,125,775; Age 73 RMD is $32,075/year.

Frequently Asked Questions

At what age do Required Minimum Distributions (RMDs) begin under SECURE 2.0?

Under the SECURE 2.0 Act, the starting age for mandatory RMDs from traditional IRAs and 401(k)s increased to age 73 (and is scheduled to rise to age 75 in 2033).

Finance & Investing • US & Global Retirement Accounts Guide

How to Use the 401(k), Roth IRA, RMD & Retirement Pension Calculator: Practical Guide & Visual Analysis

See how employer 401(k) matching accelerates retirement compounding and calculate mandatory annual withdrawals (RMDs) from tax-deferred accounts. Whether you are researching 401k calculator, roth ira calculator, ira calculator, rmd calculator, social security pension calculator, this interactive tool helps you project 401(k) and IRA retirement balances including employer matching contributions, and compute IRS Required Minimum Distributions (RMDs) using Uniform Lifetime Table factors.

Interpreting the 3 Custom Visual Graphs & Key Outputs

As you adjust Annual Gross Salary, Employee 401(k) Deferral Rate, Net Employer Match Rate, Years Until Retirement, the calculator immediately computes Projected 401(k) Balance ($), Employee vs. Employer Match Total ($), Compounded Market Growth ($), Annual IRS Required Minimum Distribution (RMD) and updates all three domain-specific SVG charts in real time. Instead of relying on a single static figure, you can inspect the primary domain diagram, component breakdown, and multi-point trajectory curve to see how changing your inputs shifts the final result. Use the Compare (up to 3 scenarios) button to evaluate side-by-side variations before making a decision.

Real-World Benchmark & Planning Tips (United States (IRS 401(k) & Uniform Lifetime RMD Table))

In our benchmark scenario ($110,000 Salary (10% Employee + 4% Match) for 25 Years at 7.5% & Age 73 RMD on $850,000), Projected 401(k) reaches $1,125,775; Age 73 RMD is $32,075/year. Keep in mind that assumes contributions remain within annual IRS Section 402(g) elective deferral limits. For related calculations in Finance & Investing, explore Compound Interest Calculator, CAGR & FIRE Calculator (Financial Independence), SWP Calculator (Systematic Withdrawal Plan), EPF Calculator (Employees Provident Fund).