401(k) Value Calculator

This calculator helps you to understand how much money you can accumulate by making monthly contributions to your 401(k) account. Enter the amount you plan to add to your account each month, and the expected rate of return. The results presented by this calculator are hypothetical and are not intended to represent or predict any investment results. The calculator will show you the amount that can accumulate in the account over different time spans. The return on your investments will differ from this illustration due to actual market performance. It is unlikely that any one rate of return will be sustained over time. Investments offering the potential for higher rates of return also involve a higher degree of risk to principal. Both the return and the principal value of investments will fluctuate over time.

Enter your current annual salary:
Percentage contribution:	You may contribute up to 100% of compensation subject to the annual dollar limit for the year concerned (see below) to 401(k), 403(b), and 457 plans. 2009 $16,500 (plus $5,500 catchup if 50 or over)
Rate of Return:	Enter the rate of return you expect to earn. You should note your personal risk tolerance as well as current market and economic conditions when selecting a rate of return. To give you an idea, equity investments may provide a 8% average annual return over a long period of time. But keep in mind, that the return and principal value will fluctuate over time and it is possible to lose money.

Results
Year	The amounts shown below assume you make contributions each year based on the information you provided above plus the earnings on those contributions.
Yearly withholding:	This is the amount that will be witheld from your salary each year.
Monthly withholding:	This is the yearly withholding divided by 12.
1 year value:
2 year value:
3 year value:
4 year value:
5 year value:
10 year value:
20 year value:
30 year value:
40 year value:

The tax deferral accrual feature is provided by tax qualified retirement plans. Therefore, the tax deferral accrual feature of an annuity is unnecessary. Please consider whether the features and benefits of annuities, including, but not limited to, lifetime income payments and insurance company-guaranteed annuity rates are appropriate for your needs.