How much can I contribute to my 401(k) in 2026?
In 2026, the 401(k) contribution limit is $23,500 for employees under 50. Those aged 50 and older can contribute up to $31,000. The special catch-up limit for ages 60-63 is $34,750.
US · 401(k) & IRA · Free401(k) & IRA Calculator 2026
Model employer match, 2026 contribution limits, and compare Traditional, Roth, SEP, and SIMPLE IRAs side by side.
401(k) and IRA projections update as you type — educational only.
Modeled as 100% match on deferrals up to this percent of salary.
Projected balance at retirement$1,234,098
Same balance in today's dollars$588,347
Nominal growth discounted by your inflation assumption.
Total contributions (you + employer)$331,500
Your contributions$255,000
Employer match total ("free money")$76,500
Investment growth$902,598
Monthly withdrawal estimate
4% rule: $4,113.66/mo
20-year payout: $5,142.08/mo
Balance breakdown (stacked)
Your contributionsEmployer matchGrowth
Disclaimer
This tool is for education only and is not financial, investment, or tax advice. Limits, match formulas, and tax rules change; SEP/SIMPLE caps here are simplified. Consult a qualified professional for your situation.
Frequently asked questions
What is the IRA contribution limit for 2026?
The IRA contribution limit for 2026 is $7,000 for those under age 50, and $8,000 for those aged 50 and older. This applies to both Traditional and Roth IRAs combined.
What is the difference between a Traditional and Roth IRA?
Traditional IRA contributions may be tax-deductible, reducing your taxable income now, but withdrawals in retirement are taxed. Roth IRA contributions are made with after-tax dollars, but qualified withdrawals in retirement are completely tax-free.
What is employer match and why does it matter?
Employer match is free money your employer adds to your 401(k) based on your own contributions. For example, a 3% match means your employer adds 3% of your salary if you contribute at least 3%. Always contribute enough to get the full match.
What is the 4% rule for retirement withdrawals?
The 4% rule suggests withdrawing 4% of your retirement portfolio in the first year, then adjusting for inflation each year. This is designed to make your savings last approximately 30 years.