True Returns
Menu

Your 401k Returns

Understand your 401(k) in two minutes

What you have, what you and your employer put in, what you pay in fees, and what it may be worth at retirement — in future and today’s dollars.

Add your 401(k)

A few numbers from your latest statement or pay stub. You can add detail later under “Improve accuracy.”

$
$
%

% of each paycheck you contribute

Tiered formulas and profit sharing can be added under “Improve accuracy.”

Name this account (optional)

Balance growth is not your return

Most plan portals show one balance. It rises when you contribute, when your employer matches, and when markets move — so a bigger balance doesn’t tell you how your investments actually performed. Your 401k Returns keeps those sources separate.

Projections here are estimates from assumptions you control. True Return — your actual money-weighted investment return — is calculated only from dated contributions and balances, and is shown as unavailable until that history exists. This is educational information, not investment advice.