401(k) Contribution Calculator

Maximize retirement savings and employer match

What is this? Maximize 401k contributions and employer match. See how much to contribute to maximize match and tax benefits.

Who it's for: Business professionals, investors, and financial planners.
Income & Contribution
Growth & Time
Annual Summary
Your Contribution/yr
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Employer Match/yr
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Total Annual
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IRA Contribution
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Total 401k Balance
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IRA Balance
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Retirement Income
Total Nest Egg
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Monthly Income (4% rule)
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You Saved
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Estimates only. Not financial advice. Consult a financial advisor.

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We may earn a commission if you click above. Calculator is free to use.

Frequently Asked Questions

What is the 2026 401(k) contribution limit?

Elective deferral limit: $23,500 for 2026. If you're 50 or older, you can contribute an extra $7,500 catch-up. Total employee + employer contributions cannot exceed $70,000 or 100% of compensation.

Should I contribute to 401(k) or IRA?

Max out any employer 401(k) match first — that's a guaranteed 100% return. Then max an IRA ($7,000 or $8,000 if 50+). Then return to 401(k) up to the annual limit. IRA offers better fund choices.

What is a Roth 401(k)?

Roth 401(k) contributions are made with after-tax dollars. Qualified withdrawals in retirement are tax-free. It makes sense if you expect to be in a higher tax bracket in retirement. Many employers now offer Roth 401(k) options.

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