401(k) Calculator
Calculate how much your 401(k) will grow by retirement. Factor in employer matching, contribution limits, and investment returns to plan your future.
2026 limit: $24,500
Employer Match
Example: 50% match up to 6% = employer adds $2,400/year
Balance at 65
$2.94M
$1.24M in today's dollars
Monthly Income (4% rule)
$9,797
$4,128/mo in today's dollars
Growth Breakdown
Years
35
Annual Total
$17.4K
Free Match
$84K
Growth Milestones
How This Calculator Works
Enter Your Details
Input your age, salary, current balance, contribution amount, and employer match details.
Project Growth
The calculator projects your balance to retirement using compound growth and employer contributions.
Plan Your Future
See your projected retirement balance, monthly income (4% rule), and employer match benefits.
Who Should Use This Calculator
Planning your 401(k) is essential for a secure retirement.
Employees
Workers with 401(k) access planning contributions
Career Changers
Evaluating new employer benefits packages
Pre-Retirees
Planning final contribution years before retirement
HR Teams
Explaining 401(k) benefits to employees
2026 401(k) Contribution Limits
Employee Limit
$24,500
Under age 50
Catch-Up (50+)
+$8,000
$32,500 total
Total Limit
$72,000
Including employer
Total (50+)
$80,000
With catch-up
Frequently Asked Questions
Official References
Learn more about 401(k) plans:
- IRS: 401(k) Contribution Limits
Official IRS contribution limits and rules
- DOL: Types of Retirement Plans
Department of Labor retirement plan information
- IRS Publication 560
Retirement plans for small business (SEP, SIMPLE, and Qualified Plans)
This calculator provides estimates. Actual returns depend on market performance and investment choices. Consult a financial advisor for personalized advice.