Who this is for
- People asking: “Am I contributing enough?”
- Anyone who needs a quick planning estimate before making a savings decision.
- People who want to compare two transparent sets of assumptions before committing money.
How to use this tool
- 1Enter your best current estimate for current age, retirement age, current retirement balance.
- 2Review the retirement 401(k) calculator result and the assumptions behind it.
- 3Change one input at a time to compare a conservative and an optimistic scenario.
Companion guide
401(k) Contribution Limits for 2026 and How to Capture Your Match
For 2026, the employee elective-deferral limit is $24,500. Catch-up capacity is $8,000 at age 50+, or $11,250 for ages 60–63. Before chasing a perfect percentage, contribute enough to capture the full employer match when your plan offers one.
Read the guide →Calculator FAQ
What does the retirement 401(k) calculator estimate?+
Project your retirement balance and see whether you are capturing your employer match.
Are the results guaranteed?+
No. The result is an estimate based on the inputs and stated formula. Actual rates, terms, taxes, fees, and eligibility can change the outcome.
What should I do after getting a result?+
Use the result as a decision baseline, compare a second scenario, and confirm important tax, lending, or investment decisions with the appropriate qualified professional.
Can I share my scenario?+
Yes. The calculator keeps non-default inputs in the URL so a copied link recreates the same planning scenario.