401(k) Calculator

Project your 401(k) balance at retirement with employer match, contribution limits, and year-by-year growth breakdown.

How to use 401(k) Calculator

1. Enter your current age and expected retirement age.
2. Enter your current 401(k) balance and annual contribution.
3. Set your employer match percentage and annual salary.
4. Enter your expected annual return rate (typically 6-8%).
5. Review your projected balance, breakdown, and year-by-year table.

What is 401(k) Calculator?

FAQ

What are the 2026 401(k) contribution limits?

For 2026, the standard contribution limit is $23,500. If you are age 50 or older, the catch-up contribution limit is $31,000. These limits are set by the IRS and adjusted annually for inflation.

How does employer matching work?

Many employers match a percentage of your contributions up to a certain limit. For example, a 4% match means your employer contributes $4 for every $100 you contribute, up to 4% of your salary. This is essentially free money toward your retirement.

What rate of return should I assume?

A commonly used estimate for long-term stock market returns is 7% annually (after inflation). For more conservative projections, use 5-6%. Past performance does not guarantee future results.

Is this calculator providing financial advice?

No. This calculator is for educational and estimation purposes only. It is not financial advice. Consult a qualified financial advisor for personalized retirement planning.

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