MasterTool

401(k) Calculator

Calculate 401(k) from your own entered figures.

IRS 2026 retirement limits (Notice 2025-67) — 401(k)/403(b) deferral $24,500, IRA limit $7,500 last updated · reference source

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Currency: Amounts are calculated in the currency you select; this site does not convert between currencies and does not use live exchange rates.

Dated static reference; no live data is fetched. Verify current source values and assumptions before relying on results.

What this tool does

Calculate 401(k) from your own entered figures. Uses the IRS 2026 limits in the dated retirement-limits file; salary and match are held constant, the return is a single assumed rate, and taxes on withdrawal are not modelled.

How to use the 401(k) Calculator

  1. Enter or select current age.
  2. Enter or select current 401(k) balance.
  3. Enter or select annual salary.
  4. Enter or select your contribution (% of salary).
  5. Enter or select employer match (% of salary).
  6. Enter or select expected annual return (%).
  7. Enter or select years to project.
  8. Read the calculated result; change any measurement to compare alternatives.

Formula

employee contribution = min(salary × contribution %, the IRS 2026 elective deferral limit for your age — $24,500 under 50, +$8,000 catch-up at 50+, +$11,250 at ages 60–63); balance grows yearly at the entered return with contributions added at year end
age
Current age
balance
Current 401(k) balance
salary
Annual salary
pct
Your contribution (% of salary)
match
Employer match (% of salary)
ret
Expected annual return (%)
years
Years to project

Uses the IRS 2026 limits in the dated retirement-limits file; salary and match are held constant, the return is a single assumed rate, and taxes on withdrawal are not modelled.

Worked example

For 401(k) calculator, the following measurements illustrate the exact method: Current age: 35; Current 401(k) balance: 25000; Annual salary: 80000; Your contribution (% of salary): 10; Employer match (% of salary): 3; Expected annual return (%): 7; Years to project: 30.

Inputs

  • Current age35
  • Current 401(k) balance25000
  • Annual salary80000
  • Your contribution (% of salary)10
  • Employer match (% of salary)3
  • Expected annual return (%)7
  • Years to project30

Result

  • Projected 401(k) balance$1,172,698.55
  • Your annual contribution (after the 2026 IRS cap)$8,000.00
  • Employer match per year$2,400.00
  • 2026 IRS elective deferral limit at age 35$24,500.00
  • Total contributions over the projection$312,000.00

Results explained

Projected 401(k) balance
Projected 401(k) balance from the formula above. Uses the IRS 2026 limits in the dated retirement-limits file; salary and match are held constant, the return is a single assumed rate, and taxes on withdrawal are not modelled.
Your annual contribution (after the 2026 IRS cap)
Your annual contribution (after the 2026 IRS cap) from the formula above. Uses the IRS 2026 limits in the dated retirement-limits file; salary and match are held constant, the return is a single assumed rate, and taxes on withdrawal are not modelled.
Employer match per year
Employer match per year from the formula above. Uses the IRS 2026 limits in the dated retirement-limits file; salary and match are held constant, the return is a single assumed rate, and taxes on withdrawal are not modelled.
2026 IRS elective deferral limit at age 35
2026 IRS elective deferral limit at age 35 from the formula above. Uses the IRS 2026 limits in the dated retirement-limits file; salary and match are held constant, the return is a single assumed rate, and taxes on withdrawal are not modelled.
Total contributions over the projection
Total contributions over the projection from the formula above. Uses the IRS 2026 limits in the dated retirement-limits file; salary and match are held constant, the return is a single assumed rate, and taxes on withdrawal are not modelled.

Frequently asked questions

employee contribution = min(salary × contribution %, the IRS 2026 elective deferral limit for your age — $24,500 under 50, +$8,000 catch-up at 50+, +$11,250 at ages 60–63); balance grows yearly at the entered return with contributions added at year end

Uses the IRS 2026 limits in the dated retirement-limits file; salary and match are held constant, the return is a single assumed rate, and taxes on withdrawal are not modelled.

No. All numbers are entered by you or come from the dated reference table shown on this page; calculations run locally.

This is an estimate, not financial, tax or legal advice. Verify the inputs and output with official sources and a qualified professional.

Check period consistency, currency, percentage inputs and the assumptions: Uses the IRS 2026 limits in the dated retirement-limits file; salary and match are held constant, the return is a single assumed rate, and taxes on withdrawal are not modelled.