401(k) Calculator

Project a workplace retirement balance with employer matching, age-based catch-up contributions and clearly dated 2026 contribution caps.

Printed from Calxy · https://www.calxy.net/financial/401k-calculator

Projected balance at retirement$1,109,379.70

Age at end of this year

years

18 – 100

Retirement age

years

18 – 100

Current account balance

USD

0 – 1000000000

Annual eligible compensation

USD

0 – 1000000000

Employee contribution rate

0 – 100

Employer match per contributed dollar

0 – 200

Salary share eligible for match

0 – 100

Annual investment return

-50 – 50

Projected balance at retirement

$1,109,379.70

First-year employee contribution$8,000.00
First-year employer match$2,400.00
Total employee contributions$240,000.00
Total employer contributions$72,000.00

End-of-year projection in USD
Year-end age	Employee	Employer	Balance
35	8000.00	2400.00	63400.00
36	8000.00	2400.00	77604.00
37	8000.00	2400.00	92660.24
38	8000.00	2400.00	108619.85
39	8000.00	2400.00	125537.05
40	8000.00	2400.00	143469.27
41	8000.00	2400.00	162477.42
42	8000.00	2400.00	182626.07
43	8000.00	2400.00	203983.63
44	8000.00	2400.00	226622.65
45	8000.00	2400.00	250620.01
46	8000.00	2400.00	276057.21
47	8000.00	2400.00	303020.64
48	8000.00	2400.00	331601.88
49	8000.00	2400.00	361898.00
50	8000.00	2400.00	394011.88
51	8000.00	2400.00	428052.59
52	8000.00	2400.00	464135.74
53	8000.00	2400.00	502383.89
54	8000.00	2400.00	542926.92
55	8000.00	2400.00	585902.54
56	8000.00	2400.00	631456.69
57	8000.00	2400.00	679744.09
58	8000.00	2400.00	730928.74
59	8000.00	2400.00	785184.46
60	8000.00	2400.00	842695.53
61	8000.00	2400.00	903657.26
62	8000.00	2400.00	968276.70
63	8000.00	2400.00	1036773.30
64	8000.00	2400.00	1109379.70

2026 dollar limits and salary are held constant for future years; future law changes are unknown. End-of-year contributions, full vesting and no withdrawals/fees. Traditional/Roth tax treatment and required Roth catch-up rules are not modeled.

How this was calculated

Each year: previous balance × (1 + assumed return) + employee deposit + employer match.

Apply 2026 contribution and compensation caps, with age-based catch-up amounts.

Formula and method

For each modeled year, grow the opening balance at the chosen return and add year-end employee and employer deposits. Employee deferrals, employer matching compensation and combined contributions are capped using 2026 limits. Caps stay fixed in future years; age changes can change catch-up eligibility.

Worked example

With $50,000 initially, $80,000 salary, a 10% employee contribution, and a 50% match on the first 6% of salary, the year-end balance at 0% return is $60,400: $50,000 + $8,000 + $2,400.

References

2026 retirement contribution limits — Internal Revenue Service
401(k) and profit-sharing contribution limits — Internal Revenue Service

Frequently asked questions

Are taxes, vesting and future limit increases included?

No. This assumes full vesting, constant salary and fixed 2026 dollar limits. It does not determine traditional versus Roth tax treatment, required Roth catch-up treatment, early-withdrawal penalties or future law changes.

Last updated September 11, 2026. Results are estimates for informational purposes only.