401k calculator

Updated 2026-09-29

Using 401k calculator

Estimate 2026 employee contributions and an employer match, then project a balance with those annual deposits.

Traditional or safe-harbor 401(k), one employer, with no other plan deferrals or after-tax contributions. Catch-up is included only when the plan permits it. Plan restrictions may be lower. Roth catch-up requirements, vesting, withdrawals and taxes are not modeled. The projection holds the 2026 contribution amount and your return constant, with deposits at year end; it does not forecast future limits or returns.

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A worked example

For annual plan-eligible compensation (usd) = 80000, employee contribution (%) = 10, employer match per contributed dollar (%) = 50, match applies up to salary (%) = 6, age at end of 2026 = 40, plan permits catch-up? = Yes, current balance (usd) = 20000, projection years = 10, assumed annual return after fees (%) = 5, rules year = 2026, projected balance (usd) = 163,387.97.

Before you use the result

Traditional or safe-harbor 401(k), one employer, with no other plan deferrals or after-tax contributions. Catch-up is included only when the plan permits it. Plan restrictions may be lower. Roth catch-up requirements, vesting, withdrawals and taxes are not modeled. The projection holds the 2026 contribution amount and your return constant, with deposits at year end; it does not forecast future limits or returns.