401(k) Retirement Calculator
Project your 401(k) balance at retirement with your contributions, employer match, salary growth and 2026 IRS contribution and catch up limits.
Runs on your device
Result
Results appear here as you type.
What it does
Contributions are capped at the 2026 limit of $24,500, plus catch up of $8,000 from age 50 and $11,250 at ages 60 to 63. The employer match is calculated on your contribution up to the match limit.
How to use it
- Enter age, retirement age and current balance.
- Enter salary, contribution % and employer match.
- Read the projected balance.
Example
The example fills in realistic values and runs the tool. Select Try an example above to see it.
When it helps
- Checking you contribute enough to get the full match.
- Retirement planning.
- Comparing job offers with different matches.
Questions
What return should I assume?
Many planners use 5 to 7% a year after fees for a diversified stock heavy portfolio. Returns are not guaranteed.
Are limits adjusted in future years?
The IRS raises them with inflation. This projection holds them at 2026 values, which is conservative.
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