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Build a More Accurate 401(k) Plan in Minutes
Use the calculator as a decision tool, not just a one-time estimate. Compare your current contribution strategy against one or two realistic improvement scenarios to see the long-term balance impact.
Models deferral limits, age-based catch-up, and super catch-up where applicable.
Visualize the long-term value of full match capture and contribution discipline.
Evaluate purchasing power, not just nominal balances, for better planning.
How to Use This Calculator Like a Pro
Enter current age, retirement age, salary, current balance, and contribution settings.
Run a baseline projection with your current contribution rate and employer match.
Test a +1% to +2% contribution increase and compare the projected difference.
Revisit assumptions annually as salary, plan rules, and IRS limits evolve.
Frequently Asked Questions
How accurate is this 401(k) calculator?
The calculator uses monthly compounding, 2026 IRS contribution limits, employer match modeling, salary growth, investment fees, and inflation adjustment. Results are estimates based on your inputs and assumptions, not guarantees.
What 401(k) contribution limits are used for 2026?
The tool models the 2026 elective deferral limit of $24,500, age-50+ catch-up up to $8,000, and the SECURE 2.0 age-60 to 63 super catch-up up to $11,250, when applicable.
Can I compare Traditional and Roth 401(k) scenarios?
Yes. You can toggle account type and compare outcomes. Traditional contributions reduce taxable income now, while Roth contributions are after-tax and can support tax-free qualified withdrawals later.
Why does employer match matter so much?
Employer matching is immediate return on your contribution. Over decades, matched dollars also compound, which can materially increase your final retirement balance.