401(k) Calculator
Project your 401(k) balance with employer match and IRS limits.
Frequently Asked Questions
How does the 401(k) calculator work?
Enter your age, salary, current balance, contribution rate and employer match. The calculator grows your salary each year, adds your contributions and the match with each monthly paycheck, compounds the balance at your expected return and caps contributions at the IRS limits, then shows your balance at retirement and the monthly income it could support.
What is the 401(k) contribution limit for 2026?
You can contribute up to $24,500 in 2026. From age 50 you can add $8,000 in catch-up contributions, and in the years you turn 60 to 63 the catch-up is $11,250. Employee and employer contributions together are capped at $72,000, not counting catch-up.
How does a 401(k) employer match work?
A typical match is 50% of your contributions up to 6% of salary. On a $75,000 salary, contributing 6% ($4,500) gets you $2,250 from your employer. Contributing less leaves part of the match unclaimed, so most advisers suggest contributing at least enough to get the full match.
What rate of return should I assume?
Many planners use 5–7% a year for a stock-heavy portfolio over long periods, before inflation. Use a lower figure if your investments are more conservative or as you get closer to retirement. Results are estimates; real returns vary from year to year.
How much retirement income will my 401(k) provide?
The calculator applies a withdrawal rate to your final balance. The common 4% rule means withdrawing 4% in the first year, so a $1,000,000 balance supports about $40,000 a year, or $3,333 a month, before taxes.
Is my data stored anywhere?
No. The calculator runs entirely in your browser and only saves your inputs to this browser's local storage so they are there when you come back.