401(k) Retirement & Employer Match Calculator
Forecast your retirement nest egg with compound investment returns, annual salary increases, and free employer matching contributions under 2026 IRS contribution limits.
$23,500/yr
Timeline & Salary Assumptions
Contributions & Company Match
Nest Egg Growth Breakdown
5-Year Growth Milestones
| Age | Contributions | Match | Total Balance |
|---|---|---|---|
help Frequently Asked Questions
What is the 401(k) contribution limit for 2026?
For 2026, the standard IRS annual employee contribution limit for a 401(k) is $23,500. Workers aged 50 and older can contribute an additional catch-up contribution of $7,500 (totaling $31,000).
How does an employer 401(k) match work?
An employer match is free retirement money paid by your employer. A typical match formula is "50% match up to 6% of salary". If you earn $100,000 and contribute 6% ($6,000), your employer contributes an additional 3% ($3,000).
What is the 4% safe withdrawal rule in retirement?
The 4% rule suggests that if you withdraw 4% of your total retirement nest egg in your first year of retirement, and adjust that amount annually for inflation, your portfolio has a very high probability of lasting at least 30 years.
What is the difference between a Traditional 401(k) and a Roth 401(k)?
A Traditional 401(k) uses pre-tax dollars, lowering your taxable income today, but withdrawals in retirement are taxed as ordinary income. A Roth 401(k) uses after-tax dollars today, but all qualified withdrawals in retirement are 100% tax-free.