401(k) Calculator
Enter your age, salary, contribution and employer match to see a year-by-year projection, with the 2026 contribution limits applied.
Este contenido está en inglés.
This is an estimate for the 2026 tax year and is not tax advice. Investment returns are not guaranteed and the balance is in future dollars.
¿Busca la versión del Reino Unido? UK Pension Calculator
Ejemplos resueltos
From age 30 to 65
Age 30 to 65, salary $80,000, balance $20,000, 10% contribution, 50% match up to 6%, 3% pay rises, 7% return
$2,437,669 balance at 65
You contribute $483,697 and your employer adds $145,109. Investment growth is $1,788,863. The first year adds $8,000 from you and $2,400 from your employer.
Catch-up years at 50 to 60
Age 50 to 60, salary $150,000, balance $300,000, 25% contribution, 100% match up to 4%, 0% pay rise, 6% return
$1,071,599 balance at 60
Your 25% would be $37,500 a year, so it is capped at $32,500, which is the $24,500 limit plus the $8,000 catch-up. Your employer adds $6,000 a year.
Sobre 401(k) Calculator
This 401(k) calculator projects how your balance could grow between now and retirement. Enter your age, the age you plan to retire, your salary, your current balance, how much of your pay you contribute and what your employer matches. It adds your contributions every month, applies a yearly return and shows the balance for each year.
The 2026 limit on your own contributions is $24,500. From age 50 you can add a catch-up of $8,000, and at ages 60 to 63 the catch-up is $11,250 instead. The calculator caps your contribution at those limits each year and tells you when the cap applies. The employer match is entered as a share of what you contribute, up to a share of your salary, which is how most plans describe it.
Cómo usar 401(k) Calculator
- Enter your age now, the age you plan to retire, your salary and your current 401(k) balance.
- Enter the share of your salary you contribute and your employer match and its limit.
- Enter the yearly pay rise and the yearly return you want to test.
- Read the final balance and the year by year table of contributions and balance.
Usos habituales
- Checking whether your savings rate is on track for retirement
- Seeing the value of an employer match
- Testing a cautious and an optimistic return
- Planning catch-up contributions after 50
Fuentes
Última revisión: 15 de octubre de 2026.
Preguntas frecuentes
What is the 401(k) contribution limit for 2026?
You can contribute up to $24,500 of your own pay in 2026. The catch-up for age 50 and over is $8,000, and for ages 60 to 63 it is $11,250.
How does an employer match work?
A common match is 50% of what you contribute, up to 6% of your salary. If you contribute at least 6%, the employer adds 3% of your salary. Your plan documents give the exact formula.
What return should I use?
Nobody can promise a return. A long-run figure of 5% to 7% a year is often used for a mix of stocks and bonds, but real returns vary a lot from year to year. Try a few values.
Does this include the overall plan limit?
No. There is also a higher limit on total contributions from you and your employer together, which most people never reach, and it is not modelled here.