401(k) Calculator (US)
Project how your 401(k) could grow by retirement. Enter your balance, salary, contribution rate, employer match and an expected return — the calculator compounds your monthly contributions and applies the 2026 IRS contribution limits, including the age-50 and 60–63 catch-ups.
% of your contribution the employer matches.
Projection only, not financial advice; the result depends heavily on the assumed return. 2026 IRS limits applied.
Frequently asked questions
What is the 2026 401(k) contribution limit?+
The 2026 employee deferral limit is $24,500. Those aged 50+ can add an $8,000 catch-up ($32,500 total), and ages 60–63 get a higher $11,250 super catch-up ($35,750 total) that replaces — not adds to — the $8,000.
How does the employer match work?+
Many employers match a percentage of your contributions up to a cap, e.g. 100% of the first 3% plus 50% of the next 2% (a 4% effective match). Enter your own match rate and cap; matched pay is limited to the $360,000 compensation cap.
How accurate is the projection?+
It assumes a fixed annual return compounded monthly — real markets vary, so treat the result as an estimate. The expected-return assumption has the biggest effect on the final balance.