401(k) Calculator (2026)
Project your 401(k) balance at retirement including employer match. Uses 2026 IRS elective-deferral limits.
Inputs
How it works
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.
Frequently asked questions
What is the 2026 401(k) limit?
Elective deferral $24,500. Age 50+ add $8,000. Age 60–63 SECURE 2.0 super-catch-up is $11,250.
Is this guaranteed?
No — these are projections that assume your inputs hold. Real markets and life are variable.
What's the 4% safe-withdrawal rule?
The Trinity Study suggests withdrawing 4% of a balanced portfolio in year one and adjusting for inflation typically lasts 30+ years.
Should I max out my 401(k)?
At minimum, capture the full employer match — that's free money. Beyond that, balance against debt payoff and emergency reserves.
Roth vs. Traditional?
Roth wins if you'll be in a higher tax bracket in retirement; Traditional wins if you'll be in a lower bracket.
When should I start saving?
Immediately. The single biggest variable in retirement success is years of compounding.