401(k) Calculator
Maximize your employer-sponsored retirement plan. See the impact of employer matching, tax-deferred growth, and contribution limits on your retirement savings.
401(k) Projection
Your Annual Contribution-
Employer Annual Match-
Total Annual Contribution-
Projected Balance at Retirement
-
Total from Your Contributions-
Total from Employer Match-
Total Investment Growth-
401(k) Contribution Limits (2026)
- Under age 50: Up to $23,500 per year (estimated)
- Age 50 and older: Additional $7,500 catch-up contribution = $31,000 total
- Total (employee + employer): Cannot exceed $69,000 (under 50) or $76,500 (50+)
Traditional vs Roth 401(k)
Traditional 401(k): Contributions are pre-tax (reduce your taxable income today). You pay income taxes on withdrawals in retirement.
Roth 401(k): Contributions are after-tax (no tax break now). Withdrawals in retirement are completely tax-free, including all growth.
Choose Traditional if you expect to be in a lower tax bracket in retirement. Choose Roth if you expect the same or higher bracket, or if you want tax-free income flexibility.