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Retirement and 401(k) Contribution Calculator

Project retirement savings from employee contributions, employer matching, salary growth, and an estimated annual return.

Tax assumptions are editable planning inputs. Verify your federal bracket, state treatment, plan rules, catch-up eligibility, and the current IRS contribution limits before acting.

Your inputs

Default: 2026 federal 401(k) elective-deferral limit. Verify the limit that applies to your age, plan, and tax year.
22% is a planning default, not a national average. Replace it with your marginal bracket.
5% is a planning estimate. Look up your state's treatment; some states have no individual income tax.

Your result

Enter your information and select Calculate to see the result.

How to use the 401(k) calculator

Enter the requested values, review the units, and select Calculate. The result updates only after every input passes validation.

Each year, employee contributions are capped at the entered limit, employer matching follows the entered match formula, and the balance grows by the estimated return. The first-year tax deferral is only an estimate using the entered marginal rates.

Worked example

At a $100,000 salary, a 6% employee contribution and a 50% match on the first 6% contribute $9,000 in the first year before growth.

Limitations

The model uses a constant annual return and simplified end-of-year contributions. It does not determine eligibility, catch-up limits, vesting, fees, Roth treatment, or actual tax liability.

This calculator provides an educational estimate and does not replace advice from a qualified financial or tax professional.