401K Calculator

🇺🇸 US-specific: 401(k) is a US employer-sponsored retirement account defined by US tax code — this tool doesn't apply outside the US retirement system.

Current 401(k) balance Annual salary Your contribution (% of salary) 10 Employer match (% of your contribution, up to a cap) 50 Employer match cap (% of salary) 6 Your age 35 Retirement age 65 Expected annual return (%)

Your annual contribution $0.00

Employer match (annual) $0.00

Projected balance at retirement $0.00

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Free 401(k) calculator with employer match modeling and a live check against the actual 2026 IRS contribution limits — including age 50+ catch-up ($8,000) and the age 60-63 super catch-up ($11,250).

This tool is for informational purposes only and is not a substitute for professional financial or medical advice. Consult a qualified professional before making decisions. See our Disclaimer.

How it works

Enter your current balance, salary, contribution percentage, and employer match details
Enter your age and retirement age — the tool checks your contribution against the 2026 IRS limit for your age automatically
See your annual contribution, employer match, and projected balance at retirement

Frequently asked questions

What are the 2026 401(k) contribution limits?

$24,500 for regular employee contributions. If you're 50 or older, you can add a $8,000 catch-up contribution. If you're 60-63, some plans allow a larger $11,250 super catch-up instead of the standard one. This tool checks your entered contribution against the correct limit for your age and caps it with a warning if you're over.

Does employer match count toward my contribution limit?

No — employer match doesn't count toward your personal $24,500 deferral limit, though it does count toward the combined employee + employer limit ($72,000 for 2026).

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From the blog

finance-calc

Contribute 10% of a $500k salary to your 401(k)? The IRS caps you at $24,500 either way.

A percentage-based contribution field can quietly ask for more than the law allows — this calculator checks the actual 2026 limit for your age and tells you when you've hit it.

2026-09-01

Update history

2026-09-03 Your annual contribution now changes color and size as it approaches the IRS limit for your age.
2026-09-03 Bounded numeric fields are now sliders instead of number inputs.
2026-09-01 Added: a cover image (a small tree growing from a coin, with a warning-style cap icon hovering above showing where growth is limited) — used as the card thumbnail, social share image, and blog title image.
2026-09-01 Launched: 401(k) calculator (no button) — employer match modeling, live 2026 IRS contribution limit checking with age-based catch-up, and a growth projection to retirement. Entirely client-side.