2026 401(k) limits
| Limit | 2026 |
|---|---|
| Employee contribution (under 50) | $24,500 |
| Catch-up, age 50+ | +$8,000 (total $32,500) |
| Higher catch-up, ages 60–63 | +$11,250 (total $35,750) |
The calculator caps your own contributions at these limits each year (it keeps them at 2026 levels, so future limits — which usually rise with inflation — may be higher).
Always get the full match
A typical match is “50% of what you put in, up to 6% of salary”. Contributing less than 6% leaves free money on the table. On a $70,000 salary, 6% is $4,200 a year and the match adds $2,100.
Sources & review
Checked against these sources on November 10, 2026. Rules and rates can change — always confirm with the official source.
401(k) Calculator FAQs
What return should I assume?
Many planners use 5–7% a year for a stock-heavy mix over long periods. Returns vary and are not guaranteed.
Is this before or after tax?
Traditional 401(k) balances are pre-tax — you pay income tax when you withdraw. Roth 401(k) withdrawals in retirement are generally tax-free.
Does it include vesting?
No. Some employer matches vest over several years; leaving early can mean losing part of the match.