401(k) Calculator 2026
Free 401k calculator. Estimate your retirement savings with employer match, compound growth, and tax benefits. See how much your 401k will grow by retirement.
401(k) Growth Projections
| Starting Age | Monthly Contribution | Employer Match | At Age 65 (7% return) |
|---|---|---|---|
| 25 | $500 | $250 | $1,620,000 |
| 30 | $500 | $250 | $1,110,000 |
| 35 | $500 | $250 | $745,000 |
| 40 | $500 | $250 | $488,000 |
| 45 | $500 | $250 | $305,000 |
2026 Contribution Limits
| Type | Under 50 | 50 and Over |
|---|---|---|
| Employee contribution | $23,500 | $31,000 (+$7,500 catch-up) |
| Total (employee + employer) | $70,000 | $77,500 |
| Ages 60-63 (super catch-up) | — | $34,750 (+$11,250) |
💡 Key 401(k) Strategies
- Always get the full employer match — it's free money (100% return)
- Traditional vs Roth 401k: Traditional = tax deduction now; Roth = tax-free in retirement
- Increase contribution by 1% per year — you won't notice the difference
- Don't cash out when changing jobs — roll over to IRA or new employer's plan