401(k) Calculator 2026: Balance at Retirement & Match

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Formula at a glance

401(k) Calculator: Each year — balance × (1 + return − fees) + you + match. Example: Age 30, $80,000, 10% with 50% match up to 6% → 401(k) balance at 67: $2,237,618 — How the 401(k) Calculator works: Each year — balance × (1 + return − fees) + you + match

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📘 About the 401(k) Calculator

A 401(k) lets you save for retirement straight from your paycheck, usually before tax. For 2026 you can defer up to $24,500, plus $8,000 catch-up from age 50 or $11,250 at ages 60–63. Many employers add a match, such as 50% of what you put in up to 6% of salary — always contribute enough to get it all.

The calculator grows your balance each year with your contributions, the match, pay rises and investment returns after fees, and shows the income a 4% withdrawal rate could give.

🧮 Formula

Each year

balance × (1 + return − fees) + you + match

Match

salary × min(your %, match limit %) × match %

✏️ Worked examples

Age 30, $80,000, 10% with 50% match up to 6%

You enter
Current age	30 years
Retirement age	67 years
Salary	80,000 $
You contribute	10%
Employer matches	50%
…up to this % of salary	6%
Current 401(k) balance	0 $
Yearly pay rise	3%
Expected yearly return	7%
Fund fees (expense ratio)	0.5%

You get
401(k) balance at 67	$2,237,618
You contribute in total	$529,394
Employer match in total	$158,818
Investment growth	$1,549,406
Income at 4% a year from it	$89,505 a year ($7,459 a month, before tax)
This year you put in	$8,000 (limit $24,500)

$2,237,618.

Age 45, $120,000, $150,000 saved, 15%

You enter
Current age	45 years
Retirement age	65 years
Salary	120,000 $
You contribute	15%
Employer matches	50%
…up to this % of salary	6%
Current 401(k) balance	150,000 $
Yearly pay rise	3%
Expected yearly return	7%
Fund fees (expense ratio)	0.5%

You get
401(k) balance at 65	$1,622,959
You contribute in total	$483,667
Employer match in total	$96,733
Investment growth	$892,559
Income at 4% a year from it	$64,918 a year ($5,410 a month, before tax)
This year you put in	$18,000 (limit $24,500)

$1,622,959.

🧭 How to use this calculator

What you enter

Current age (years)
Retirement age (years)
Salary ($)
You contribute (%)
Employer matches (%)e.g. 50% of what you put in…
…up to this % of salary (%)
Current 401(k) balance ($)
Yearly pay rise (%)
Expected yearly return (%)
Fund fees (expense ratio) (%)

What you get

401(k) balance at 67
You contribute in total
Employer match in total
Investment growth
Income at 4% a year from it
This year you put in

❓ Frequently asked questions

What is the 401(k) limit for 2026?

$24,500 for employees, plus $8,000 catch-up at 50+ (or $11,250 for ages 60–63). Total contributions including employer money are capped at $72,000.

How much should I put in my 401(k)?

At least enough to get the full employer match, then aim for 10–15% of pay in total if you can.

How much will I have in my 401(k) at 65?

Someone saving 10% of an $80,000 salary from 30 with a 50% match up to 6% could have around $2 million by 67 at a 7% return — in future dollars, before tax.

Should I choose a Roth 401(k)?

Roth contributions are taxed now and withdrawals later are tax-free; it suits people who expect a higher tax rate in retirement.

📈 401(k) Calculator: Retirement Balance & Employer Match