401(k) Calculator

Calculate your projected 401(k) balance at retirement including employer match, personal contributions, and compound investment growth.

Salary & Contribution Details

Annual Salary ($)

Your Contribution (% of salary)

Employer Match (%)

Match Up To (% of salary)

Current 401(k) Balance ($)

Years to Retirement

Expected Annual Return (%)

Always Capture the Full Employer Match First

If your employer matches 100% of the first 3% of your salary, contributing less than 3% means leaving free money on the table. A 100% instant return on that portion of savings is unmatched by any investment. After capturing the full match, the next priority is typically maxing a Roth IRA, then returning to the 401(k) up to the annual limit.

2026 Contribution Limits

The 2026 employee contribution limit is $23,500 ($31,000 with catch-up if age 50+). The total combined limit including employer contributions is $70,000. Self-employed individuals can use a Solo 401(k) and contribute as both employee and employer up to the total limit.

Frequently Asked Questions

For 2026, the employee contribution limit is $23,500. If you are age 50 or older, you can make an additional catch-up contribution of $7,500, for a total of $31,000. The combined employer + employee limit (415 limit) is $70,000 or 100% of compensation, whichever is less.

⚠️ Important Disclaimer

USLegalCalc.com provides estimates and document templates for informational purposes only. Results are not legal advice and vary by jurisdiction. Always consult a licensed attorney before making legal decisions.

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