401(k) calculator (US, 2026)
US plans only. Enter your salary, your contribution and your employer’s match.
Result
1,408,901.17Estimated balance at retirement
- Your contributions
- 349,961.34
- Employer contributions
- 104,988.40
- Estimated gains
- 938,951.43
- Your contribution this year
- 7,000.00
- Employer match this year
- 2,100.00
- 2026 limit for your age
- 24,500.00
Year by year
Detailed table
| Year | Paid in | Gains | Balance |
|---|---|---|---|
| 1 | 24,100.00 | 900.00 | 25,000.00 |
| 2 | 33,382.00 | 2,400.00 | 35,782.00 |
| 3 | 42,849.64 | 4,546.92 | 47,396.56 |
| 4 | 52,506.63 | 7,390.71 | 59,897.35 |
| 5 | 62,356.77 | 10,984.55 | 73,341.32 |
| 6 | 72,403.90 | 15,385.03 | 87,788.93 |
| 7 | 82,651.98 | 20,652.37 | 103,304.35 |
| 8 | 93,105.02 | 26,850.63 | 119,955.65 |
| 9 | 103,767.12 | 34,047.97 | 137,815.09 |
| 10 | 114,642.46 | 42,316.87 | 156,959.34 |
| 11 | 125,735.31 | 51,734.43 | 177,469.75 |
| 12 | 137,050.02 | 62,382.62 | 199,432.64 |
| 13 | 148,591.02 | 74,348.58 | 222,939.59 |
| 14 | 160,362.84 | 87,724.95 | 248,087.79 |
| 15 | 172,370.09 | 102,610.22 | 274,980.31 |
| 16 | 184,617.50 | 119,109.04 | 303,726.54 |
| 17 | 197,109.85 | 137,332.63 | 334,442.48 |
| 18 | 209,852.04 | 157,399.18 | 367,251.22 |
| 19 | 222,849.08 | 179,434.25 | 402,283.34 |
| 20 | 236,106.07 | 203,571.25 | 439,677.32 |
| 21 | 249,628.19 | 229,951.89 | 479,580.08 |
| 22 | 263,420.75 | 258,726.70 | 522,147.45 |
| 23 | 277,489.17 | 290,055.55 | 567,544.71 |
| 24 | 291,838.95 | 324,108.23 | 615,947.18 |
| 25 | 306,475.73 | 361,065.06 | 667,540.79 |
| 26 | 321,405.24 | 401,117.51 | 722,522.75 |
| 27 | 336,633.35 | 444,468.87 | 781,102.22 |
| 28 | 352,166.01 | 491,335.00 | 843,501.02 |
| 29 | 368,009.33 | 541,945.06 | 909,954.40 |
| 30 | 384,169.52 | 596,542.33 | 980,711.85 |
| 31 | 400,652.91 | 655,385.04 | 1,056,037.95 |
| 32 | 417,465.97 | 718,747.32 | 1,136,213.29 |
| 33 | 434,615.29 | 786,920.11 | 1,221,535.40 |
| 34 | 452,107.59 | 860,212.24 | 1,312,319.83 |
| 35 | 469,949.75 | 938,951.43 | 1,408,901.17 |
How it is calculated
- Your contribution = salary × rate, capped at 24,500 USD (32,500 USD from age 50) in 2026.
- Match = match rate × your contribution, on at most “match up to” % of salary.
- Each year: balance × (1 + return) + contributions.
Example
Salary 100,000, contribution 10%, 50% match up to 6%: the employer pays 50% × 6,000 = 3,000.
Good to know
- US rules, 2026 limits kept the same for every year: they change each year.
- The higher catch-up for ages 60 to 63 and the overall employer + employee cap are not modelled.
- No tax or fees. Indicative estimate, not advice.
Sources
- IRS, 2026 contribution limits (401(k) and IRA)
Frequently asked questions
What is this tool used for?
US plans only. Enter your salary, your contribution and your employer’s match.
How is the result calculated?
Your contribution = salary × rate, capped at 24,500 USD (32,500 USD from age 50) in 2026.
What should I check before using the result?
US rules, 2026 limits kept the same for every year: they change each year.