About 401K Calculator

Calculation identity

The app preserves the Mycelgrid 401K projection model: equivalent monthly return, end-of-month contributions, annual salary updates, configurable one- or two-tier employer matching, and target solving with upward 0.1 percentage-point display rounding.

What it does not claim

It does not enforce current contribution or catch-up limits, interpret tax rules, predict markets, determine a suitable investment strategy, or certify an employer plan. Results are scenario outputs from the assumptions entered.

Publisher

Published by Mycelgrid LLC as part of the Mycelgrid Apps collection.

Privacy, data and limits

401K Calculator processes the current scenario inputs and calculated projection only in this browser page. It does not upload financial assumptions or results, maintain an app-owned calculation history, account, cloud copy, or recovery service. Share App shares only the canonical app URL, not entered values or results.

Results are mathematical planning scenarios using a constant annual return assumption converted to an equivalent monthly rate, end-of-month contributions, annual salary growth, and the employer-match formula you enter. This version does not enforce current IRS contribution or catch-up limits and does not model taxes, withdrawals, loans, RMDs, Roth-vs-Traditional treatment, fees, inflation, vesting, plan eligibility, or retirement income. Actual plan terms and law control real contributions. The app does not provide individualized financial, tax, legal, fiduciary, or investment advice.

For platform-wide practices, read the Mycelgrid Privacy Policy and Terms of Use. For a real product problem or accessibility issue, use Contact Mycelgrid.