Project your 401(k) balance at retirement from salary, contribution rate, employer match, raises and returns, with 2026 contribution limits built in.
About this tool
Project your 401(k) balance at retirement with employer match and salary growth.
How to use 401(k) Calculator
- Enter your age, retirement age, salary and current balance.
- Enter your contribution, the employer match and its limit.
- Enter salary growth and return, and read the projected balance.
Worked example
At 30 with a 75,000 salary, contributing 8% with a 50% match up to 6% can grow to well over a million by 65 at 7% returns.
What are the 2026 limits?
$24,500 in employee contributions, plus an $8,000 catch-up from age 50 and $11,250 at ages 60–63.
Should I always get the full match?
Yes, if you can. The match is extra pay you lose by contributing less.
- 401(k) Calculator — Project your 401(k) balance at retirement with employer match and salary growth.
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