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401(k) Calculator

Current age

Retirement age

Annual salary ($)

Your contribution (% of pay)

Employer match (% of your contribution)

Match limit (% of pay)

Current 401(k) balance ($)

Annual raise (%)

Expected return (%/yr)

…

How it is calculated

Your contribution = salary × contribution %, capped at the 2026 IRS limit of $24,500
Employer match = match % × your contribution, up to the match limit
Salary grows by the raise rate each year

Projections are illustrations, not guarantees. Taxes and fees are not included unless stated.

FAQ

What is the 401(k) limit for 2026?

For 2026 the employee deferral limit is $24,500, with an extra catch-up of $8,000 for ages 50+ (higher "super catch-up" for ages 60–63). Check irs.gov for the latest figures.

Should I always get the full match?

Almost always — an employer match is an instant return on your money. Contribute at least enough to receive the full match before other goals, if you can.

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