How much can I contribute to my 401(k) in 2026?
In 2026, the 401(k) contribution limit is $24,500 for employees under 50. Those aged 50 and older can contribute up to $32,500. The special catch-up total for ages 60-63 is $35,750.
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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.
IRS cap $24,500/yr
Simplified model: 100% match up to this % of salary. Actual employer formulas vary (e.g. 50% up to 6%, tiered match, etc.)
Your contributions grow as your salary grows.
Projected balance
$1,472,304
Your contributions$344,829
Employer match$103,449
Investment growth$999,027
Monthly at retirement (4% rule)$4,908
Years to retirement30
The 4% rule is a general guideline, not a guarantee. This is not financial advice.
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 $7,500 for those under age 50, and $8,600 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.