Use this worksheet to see how contributions to your 401(k) plan can add up over time. Enter the amount for a monthly contribution or a one-time windfall, and see how it will grow based on the amount of time until you retire and an assumed rate of return. A good rule of thumb for choosing a rate of return is to estimate 8% if you're 5 years or less from retirement, or 11% if you're any further from retiring.

Amount of contribution:


Contribution type:
Monthly Single instance

Number of years until retirement:


Expected rate of return:
6% 7% 8% 9% 10% 11% 12% 13% 14% 15%