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401(k) Calculator
Calculate your 401(k) growth with employer matching and compound interest
% of your contribution the employer matches
Max % of salary employer will match
Quick Tips
- Always contribute at least enough to get the full employer match — it is free money
- 2026 employee deferral limit: $24,500 ($32,500 if age 50–59 or 64+; $35,750 if age 60–63 under SECURE 2.0 super catch-up)
- Combined employee + employer limit: $72,000 (plus catch-up amounts)
- Compensation cap: only the first $360,000 of salary counts for contribution and match calculations (IRS §401(a)(17))
- Traditional 401(k) contributions are pre-tax; Roth 401(k) are post-tax
- Early withdrawals before age 59½ incur a 10% penalty plus ordinary income tax
- Retirement income estimate uses the 4% rule (Bengen 1994, still widely used). Current research suggests 3.7–4.7% depending on portfolio and horizon.