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401(k) Calculator 2026

Estimate employee contributions, employer matching, and account growth under constant assumptions.

Age at the end of 2026

Annual eligible salary, $

Desired employee deferral, %

Employer match per contributed dollar, %

Match up to this share of pay, %

Current balance, $

Projection years

Effective annual return, %

Projected balance before withdrawal tax, $: 404,763.17
Annual employee contribution, $: 8,000
Annual employer match, $: 2,400
2026 employee limit, $: 24,500

How the calculation works

Employee deferrals are capped by the 2026 limit and pay. Match = min(deferral, eligible pay × match cap) × match rate. Growth uses monthly contributions.

Inputs

Age at the end of 2026
Annual eligible salary, $
Desired employee deferral, %
Employer match per contributed dollar, %
Match up to this share of pay, %
Current balance, $
Projection years
Effective annual return, %

Calculation details

Employee limit: $24,500; catch-up: $8,000 from age 50 or $11,250 at ages 60–63. Matching compensation is capped at $360,000. The plan must permit the applicable contributions.

The projection holds current contributions and pay constant; future limits and age-band changes are not forecast. Withdrawal taxes, vesting, fees, and mandatory Roth catch-up treatment are not modeled.

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Sources

Updated: 2026-10-02