Project your 401(k) balance at retirement, including employer match and compound growth, using the official 2026 IRS contribution limits.
Enter Your Details
Projected 401(k) Balance
—
Total You Contribute—
Total Employer Match—
Total Investment Growth—
Formula
Balance each year grows by the return rate, plus your contribution and employer match, capped at the annual IRS limit.
Example
A 30 year old with $20,000 saved, an $80,000 salary, contributing 8% with a 4% match, retiring at 65 at 7% growth would project to roughly $1.54 million.
Not tax or financial advice. This calculator provides general estimates based on published 2026 figures. Always confirm important figures with the IRS, SSA, your state tax agency, a licensed lender, or a qualified professional.
Frequently Asked Questions
What is the 401(k) contribution limit for 2026?
$24,500 for employee elective deferrals. Workers 50 and older can add an $8,000 catch-up, and those turning 60 to 63 get a larger $11,250 catch-up.
Should I contribute enough to get the full match?
Most guidance suggests contributing at least enough to capture the full employer match, since it functions as an immediate, guaranteed return.