401(k) Contribution Calculator 2026: Match, Limits and Growth

See how much goes into your 401(k) in 2026 from your own contributions and your employer’s match, how much federal tax it saves and what it could grow to by retirement. Contributing 6% of a $75,000 salary with a 50% match up to 6% puts $6,750 a year into the account; at 6% a year for 30 years that grows to about $533,600.

2026 contribution limits

Employer matching contributions don't count toward your $24,500 employee limit, but they do count toward the plan's overall annual limit.

Always get the full match

A common match is 50% of what you contribute up to 6% of pay, or 100% up to 3% or 4%. If you contribute less than the match ceiling, you leave free money on the table. In the example above, dropping from 6% to 3% would cut the employer match from $2,250 to $1,125 a year.

Traditional or Roth 401(k)?

• Traditional: contributions reduce your taxable income now; withdrawals in retirement are taxed. The calculator's tax saving applies to this type.
• Roth: contributions are made after tax, but qualified withdrawals, including growth, are tax-free.
• Many people split contributions between the two when their plan allows it.

FAQ

What return should I assume?

Nobody knows future returns. Try a few rates, such as 4%, 6% and 8%, to see a range. A portfolio heavy in stocks has historically returned more over long periods, with bigger swings along the way.

When can I withdraw without penalty?

Generally from age 59½. Earlier withdrawals usually face a 10% penalty on top of income tax, with some exceptions.

Related calculators

• Compound Interest CalculatorSavings growth with monthly deposits
• Paycheck Calculator 2026See your take-home pay with a 401(k)

Sources

• IRS: 401(k) and profit-sharing plan contribution limits
• InvestmentNews: IRS reveals new 401(k), IRA contribution limits for 2026