401(k) Calculator with Employer Match

See how your 401(k) grows with your own contributions, your employer's match, and investment growth. Contributions are capped at the 2026 IRS limits, including catch-up contributions after 50.

Enter your numbers

Current ageyearsRetirement ageyearsSalary$/yrYou contribute% of payEmployer match%…on contributions up to% of payCurrent 401(k) balance$Expected return%/yrYearly raises%

Balance at 67$1,353,182about $614,034 in today's dollars (2.5% inflation)

You contribute: $269,642
Your employer adds: $101,116
Investment growth: $942,425

Estimates only, not financial, tax, or investment advice.

2026 401(k) limits

Employee contributions: $24,500
Catch-up at age 50 and older: $8,000 more
Ages 60–63: $11,250 more instead
Employee + employer total: $72,000 (before catch-up)

Always get the full match

An employer match is an instant return on your money. If your employer matches 50% of what you save up to 6% of pay, saving at least 6% earns the whole match. The calculator warns you if you are below that line.

Common questions

How much can I put in a 401(k) in 2026?

$24,500, plus $8,000 more at 50 or older, or $11,250 more at ages 60 to 63.

How much should I contribute to my 401(k)?

At least enough to get your full employer match. Many planners suggest saving 15% of your pay for retirement in total, including the match.

Official 2026 figures from: IRS: 2026 401(k) and IRA limits (IR-2025-111) · IRS: Catch-up contributions · IRS: Required minimum distributions · IRS: Publication 590-B (Uniform Lifetime Table) · IRS: Rev. Proc. 2025-19 (2026 HSA limits) · SSA: 2026 COLA fact sheet · CMS: 2026 Medicare premiums and deductibles · SSA: Cost-of-living adjustment history · BEA: Regional Price Parities by state (2024 data)