401(k) Calculator (2026 limits)
See how much your 401(k) could grow by retirement with your contributions, employer match and investment returns, in future and today's dollars.
Why starting early matters
| $60k salary, 10% + 50% match up to 6% | You put in | Employer | At 65 |
|---|---|---|---|
| Start at 25 | $452,408 | $135,722 | $2,485,572 |
| Start at 35 | $285,452 | $85,636 | $1,083,654 |
| Start at 45 | $161,222 | $48,367 | $425,259 |
2026 401(k) limits
You can defer up to $24,500 of salary in 2026. At 50 or older you can add $8,000, and at ages 60 through 63 the catch-up rises to $11,250. Employer contributions don't count toward your deferral limit. Always contribute at least enough to get the full employer match: it's an immediate return on your money.
Traditional vs Roth 401(k)
Traditional contributions lower your taxable income now and are taxed when withdrawn. Roth contributions are taxed now but qualified withdrawals are tax-free. If you expect a higher tax rate in retirement, Roth tends to come out ahead.
Frequently asked questions
What is the 401(k) limit for 2026?
$24,500 in employee deferrals. Workers 50 and older can add $8,000 (total $32,500), and those aged 60–63 can add $11,250 instead (total $35,750).
How much should I contribute to my 401(k)?
At least enough to get the full employer match. Many planners suggest saving 15% of pay for retirement in total, counting the match.
How does an employer match work?
A common formula is 50% of what you contribute on up to 6% of pay. On a $60,000 salary, putting in 6% ($3,600) earns $1,800 from your employer.
How much will my 401(k) be worth in 30 years?
It depends on contributions and returns. Saving $500 a month with a 7% average return grows to roughly $600,000 in 30 years, before inflation.