Retirement calculator
401(k) Contribution Calculator
Estimate your 2026 employee contribution, catch-up limit, employer match, and total annual 401(k) savings.
2026 limits used by this calculator
This calculator uses the IRS 2026 elective deferral limit of $24,500 for 401(k), 403(b), most 457 plans, and the federal government's Thrift Savings Plan. It also uses the 2026 catch-up limits of $8,000 for age 50+ and $11,250 for ages 60 through 63.
Formula
Your estimated contribution = annual salary x contribution rate, capped at the applicable 2026 employee deferral limit. Employer match = salary x the smaller of your contribution rate and the plan's match cap x employer match rate.
Limitations
Actual plan rules can differ. This tool does not model Roth vs. traditional tax treatment, vesting, pay-period timing, true-up contributions, highly compensated employee testing, payroll rounding, or every combined plan limit scenario.
Source note
Limits are based on IRS 2026 retirement plan limit announcements. Always verify current limits and plan rules before making payroll decisions.
Important note
This page provides educational estimates only and is not financial, investment, tax, legal, accounting, or retirement advice.