Model a U.S. 401(k) using verified 2026 federal limits and editable employer-plan assumptions.
Calculate with the 401(k) Calculator
Enter the details below. Required values are validated before results are shown.
401(k) Calculator results
How to use the 401(k) Calculator
- Choose the display currency and any calculation mode or frequency.
- Enter each required value using a consistent currency and time basis.
- Select Calculate or press Enter.
- Review the result explanation, assumptions, and any schedule before relying on the estimate.
Worked example
At 10% employee deferral and a 50% match up to 6% of salary, the modeled match is 3% of salary.
Understanding the results
The summary separates the most important output from supporting values. Currency selection changes formatting only; it does not convert exchange rates or alter a currency-independent formula.
Official program information: IRS 2026 retirement limits
Versioned rules and sources
401(k) and IRA contribution limits and Roth IRA phase-outs
- Applicable year
- 2026
- Source
- Internal Revenue Service
- Published or updated
- 2025-11-13
- Last verified
- 2026-08-04
Plan terms, compensation limits, aggregation, eligibility, deductibility, and correction rules can change the amount available to an individual.
Frequently asked questions
How is the employer match calculated?
Employer match is match percentage × matched portion of employee contribution, capped by the entered salary percentage; employer amounts are not counted against employee deferral limits. The result depends on the values and assumptions entered, so compare it with the applicable provider or official rule.
Can I use decimal values in the 401(k) Calculator?
Yes. Decimal values are supported. Results are calculated at full JavaScript numeric precision and formatted for readability.
Are the 401(k) Calculator results guaranteed?
No. The calculator provides an estimate based on the entered assumptions and is not financial, tax, investment, lending, payroll, or legal advice.