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401(k) Calculator 2026 (with Employer Match)
Free 401(k) calculator: see your balance at retirement with employer match, the federal tax you save, and the 2026 limits ($24,500, $32,500 at 50+, $35,750 at ages 60 to 63).
Your plan
401(k) at age 65 (estimate)
$752,760
| Your 2026 contribution | $4,200 |
| Per paycheck (bi-weekly) | $161.54 |
| Employer match (free money) | $2,100 |
| Federal tax you save this year | $854 |
| Your 2026 limit at this age | $24,500 |
| Total put in until retirement | $255,579 |
| Growth | $477,181 |
2026 limits
| Under 50 | $24,500 |
| 50 and over (catch-up) | $32,500 |
| Ages 60 to 63 | $35,750 |
Traditional (pre-tax) 401(k). Tax saving uses the standard deduction; returns are not guaranteed. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: IRS: 401(k) limits · IRS: 2026 limits news release
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
Questions people ask
What is the 401(k) limit for 2026?+
$24,500. At 50 or older you can add $8,000 more, and at ages 60 to 63 you can add $11,250 instead.
How does an employer match work?+
A common match is 50% of what you put in, up to 6% of pay. On a $70,000 salary that is $2,100 a year if you contribute at least 6%.
Does the employer match count toward my limit?+
No. The $24,500 is only your own deferrals; the combined limit with employer money is much higher.