401(k) Calculator
Project your 401(k) balance at retirement with the employer match.
Estimate only — not financial advice. Assumes a level salary and contribution with returns compounded annually; the employer match is dollar-for-dollar up to your match percentage. The 2026 employee 401(k) contribution limit is $24,500 ($32,500 if you are 50 or older).
Free 401(k) retirement calculator. Enter your age, salary, contribution percentage, employer match and expected return to project your balance at retirement, broken out into your contributions, the employer match and investment growth. Reflects the 2026 IRS limits.
How to use the 401(k) Calculator
- 01Enter your current age, target retirement age and current 401(k) balance.
- 02Enter your salary, contribution percentage, employer match percentage and expected annual return.
- 03See your projected balance split into your contributions, the employer match and growth.
Frequently asked questions
How does the employer match work here?
The match is modeled as dollar-for-dollar up to your match percentage of salary — for example a 4% match adds 4% of salary when you contribute at least that much. It never exceeds what you contribute.
What is the 2026 401(k) contribution limit?
For 2026 the employee elective deferral limit is $24,500. If you are 50 or older you can add an $8,000 catch-up for $32,500 total. These are IRS limits and rise most years.
How accurate is the projection?
It is an estimate, not financial advice. It assumes a level salary and contribution rate with returns compounded annually. Real markets vary year to year, and raises or a changed contribution rate will move the result.