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401(k) Calculator: Retirement Balance with Employer Match

Estimate your 401(k) at retirement with your contribution, employer match, salary raises and the 2026 IRS limits, in today's dollars too.

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2026 limits: $24,500 from your pay, plus $8,000 catch-up from age 50 ($11,250 at ages 60 to 63), and $72,000 in total with the employer. Limits rise with inflation most years.

401(k) balance at retirement
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Your contributions
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Employer match
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Investment growth
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In today's dollars
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YouEmployerGrowth

How to use the 401(k) calculator

  1. Enter your age, retirement age, salary and current balance.
  2. Add your contribution as a percentage of pay and your employer's match, for example 50 % of what you put in up to 6 % of pay.
  3. Set your expected raise, return and inflation. 7 % before inflation is a common long-run assumption for a stock-heavy mix.
  4. Read the balance at retirement, how much came from you, your employer and market growth, and what it is worth in today's dollars.

2026 401(k) contribution limits

Limit2026
Employee deferral (pre-tax + Roth 401(k))$24,500
Catch-up, age 50 and over+$8,000
Super catch-up, ages 60 to 63+$11,250 (instead of $8,000)
Total with employer contributions$72,000 (plus catch-up)

Example

A 30-year-old earning $70,000 with $25,000 saved puts in 6 % of pay. The employer adds 50 % of that, up to 6 %. With 3 % raises and a 7 % return, the account reaches about $1.54 million at 65: about $254,000 from the worker, $127,000 from the employer and the rest from growth. At 2.5 % inflation that is about $650,000 in today's dollars, enough for roughly $2,170 a month under the 4 % rule.

Always get the full match

An employer match is an instant 50 % or 100 % return on the money you put in. If your plan matches up to 6 % of pay and you only contribute 3 %, you leave free money on the table every year. The calculator shows how much.

Frequently asked questions

How much should I have in my 401(k) by age?

A common guide is 1× your salary by 30, 3× by 40, 6× by 50, 8× by 60 and 10× by 67. Use the retirement calculator for a full plan.

Traditional or Roth 401(k)?

Traditional lowers your tax now; Roth gives tax-free withdrawals later. If you expect a higher tax rate in retirement, Roth usually wins.

When can I withdraw without penalty?

From age 59½, or from 55 if you leave the employer in or after the year you turn 55. Earlier withdrawals usually pay a 10 % penalty plus income tax.

Sources: IRS, 401(k) and profit-sharing plan contribution limits for 2026; IRS Notice 2025-67; SECURE 2.0 Act of 2022. Estimates only, not financial advice.

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Last reviewed: 2026-11-14. Results are estimates based on the returns you enter, not advice. See our disclaimer.