How Much Should I Contribute to My 401(k) in 2026?
The exact 2026 401(k) contribution limits, match capture rules, and a step-by-step decision framework for your income level.
Read article →401(k) Planner Calculator
Maximize your employer match and annual contributions.
Understanding This Calculator
A 401(k) is one of the most powerful retirement vehicles — combining tax-deferred growth with an employer match, which is essentially free money. Aim to contribute enough to capture the full match.
Core Formula
Total Annual = Your Contribution + Employer Match
What is the 2026 401(k) contribution limit?
For 2026, the employee contribution limit is $23,500, with a $7,500 catch-up for those 50+. Total annual additions cap is $69,000.
Should I prioritize match over debt payoff?
At minimum, contribute up to the match — it delivers an instant, risk-free return that is difficult to match elsewhere.
* All calculations above are theoretical estimates. Actual returns vary based on market performance, fees, taxes, inflation, and economic factors. This tool is for educational purposes only — not financial advice.
Related Calculators
🏖️
Roth IRA Calculator Calculator
Estimate tax-free growth with a Roth IRA.
Open calculator →
🌿
IRA Investment Growth Calculator
Model tax-advantaged IRA growth from now until retirement.
Open calculator →
🔥
FIRE Calculator Calculator
Model your Financial Independence, Retire Early path.
Open calculator →
🌅
Retirement Savings Calculator
Project your retirement nest egg from today through retirement age.
Open calculator →
thorough walkthrough Articles
Compound Interest with Monthly Contributions: $100/mo at 7% for 30
See the real power of compound interest with monthly contributions. $100/month at 7% for 30 years = ? Detailed year-by-year breakdown for 2026.
Read article →