401(k) Retirement Calculator
Project your 401(k) balance at retirement, including employer match and 2026 IRS contribution limits.
Current Age
Retirement Age
Current 401(k) Balance
$
Annual Salary
$
Your Contribution (10% of salary)
Employer Match
%
Match Cap (% of salary)
%
Expected Annual Return
%
Annual Salary Growth
%
Projected Balance at Age 65
$2,385,608
Your Contributions
$533,928
Employer Match
$154,178
Growth
$1,697,502
How this projection works
Each year, your contribution (a % of salary) and your employer's match are added to your balance, which then grows at your assumed annual return. Your salary grows each year by the rate you set, and your elective deferral is automatically capped at the current IRS limit — including catch-up contributions if you're 50+ (or the higher "super catch-up" for ages 60-63).
2026 IRS 401(k) limits
Employee elective deferral: $24,500
Catch-up (age 50+): additional $8,000
Super catch-up (age 60-63): additional $11,250 instead of the standard catch-up
Combined employee + employer limit: $72,000
Employer match does not count against your elective deferral limit, only the combined limit.
FAQs
What return rate should I assume?
A diversified stock/bond portfolio has historically averaged roughly 6-8% annually over long horizons before inflation, though any single year can vary widely and past performance doesn't guarantee future results. This calculator does not adjust for inflation — treat the result as a nominal (not real/inflation-adjusted) future value.
Am I leaving money on the table?
If your contribution percentage is below your employer's match cap, you're giving up free money. Most financial advisors recommend contributing at least enough to capture the full employer match before directing savings elsewhere.