Retire401k: 401(k) Calculator

See how much your 401(k) could hold at retirement and whether it can pay for the life you want, based on your age, salary, savings rate and employer match.

• Enter age, retirement age, salary, current balance and contribution as a rate or an annual amount
• Add the employer match with its cap, plus return, salary growth and inflation rates
• Stay within the IRS limits: the 2026 deferral, catch-up (age 50+ and ages 60-63) and employee-plus-employer limits from IRS Notice 2025-67, with later years estimated and clearly marked
• Get a warning when your plan goes over a limit, and see which years were capped in the year-by-year table
• Compare pre-tax and Roth 401(k) after tax, using your current and retirement tax rates
• Choose your own withdrawal rate and a target monthly spending in today's dollars to see the surplus or shortfall and the balance you would need
• See the projected balance and its value in today's dollars, with a balance chart by age
• Split the total into your contributions, employer match and investment growth
• Spot any employer match you are leaving on the table
• Start from presets like Early Career or Match Maxer, save scenarios to compare plans and share your result

Estimates for planning only, not financial or tax advice. Your plan may set lower limits than the IRS.

Sources (U.S. government, irs.gov):
• IRS Notice 2025-67: https://www.irs.gov/pub/irs-drop/n-25-67.pdf
• IRS news release IR-2025-111: https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500
Not affiliated with or endorsed by the IRS or any government agency.

Recent changes:
Performance improvements and bug fixes