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Project your 401(k) balance at retirement including employer match. Uses 2026 IRS elective-deferral limits.
Monthly compounding · end-of-period contributions. Match = min(your %, match cap) × match % × salary. Your deferral is capped at the 2026 IRS limit for your age. Combined contribution compounded to retirement age.
Elective deferral $24,500. Age 50+ add $8,000. Age 60–63 SECURE 2.0 super-catch-up is $11,250.
No — these are projections that assume your inputs hold. Real markets and life are variable.
The Trinity Study suggests withdrawing 4% of a balanced portfolio in year one and adjusting for inflation typically lasts 30+ years.
At minimum, capture the full employer match — that's free money. Beyond that, balance against debt payoff and emergency reserves.
Roth wins if you'll be in a higher tax bracket in retirement; Traditional wins if you'll be in a lower bracket.
Immediately. The single biggest variable in retirement success is years of compounding.
Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.
Last updated October 2026