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401(k) / PF Calculator
Plan your retirement savings — 401(k) (USA) or EPF/VPF (India)
401(k)
PF (EPF)
Currency
401(k): USD ($), PF: INR (₹)
$ USD
Current Age
Your current age. Retirement age is fixed at 60 (PF) or 65 (401(k)).
Monthly Contribution
401(k): Your contribution (pre-tax). PF: Employee EPF (12% of basic).
Current Balance
Existing 401(k) or PF balance.
Expected Return (% p.a.)
401(k): Stock/Bond mix. PF: ~8.1% fixed (2024).
Inflation (% p.a.)
Reduces real value over time. Use 3% (US) or 6% (India).
Employer Match (% up to)
Match Limit (% of salary)
Roth 401(k)?
Traditional (Pre-tax)
Roth (Post-tax)
VPF Contribution (%)
Employer Contribution (12%)
Auto-calculated
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At Retirement
$1,20,000
Real Value (Today)
$65,000
Monthly Withdrawal
$800
for 25 years
Growth Over Time
Year-by-Year Breakdown
Year
Start
Contrib
Interest
End
Real