Finance
401(k) Calculator
Enter your salary, contribution rate, and employer match to project your 401(k) balance at retirement — and see how much comes from your contributions, the match, and compound growth.
Quick answer: Your 401(k) balance at retirement is driven by your contribution rate, your employer's match, and decades of compounding. Always contribute at least enough to get the full match — it's an instant 25–100% return. The 2026 employee contribution limit is $24,500.
Frequently asked questions
How much will my 401(k) be worth?
It depends on your contribution rate, employer match, return, and years invested. A $75,000 earner contributing 10% with a 50%-up-to-6% match and 7% returns could reach well over $700,000 in 25 years — most of it from compound growth.
How does employer match work?
A common match is 50% of what you contribute up to 6% of salary — so contributing 6% adds another 3% of salary for free. Always contribute at least enough to capture the full match.
What's the 401(k) contribution limit for 2026?
The 2026 employee elective deferral limit is $24,500 (plus catch-up contributions if you're 50 or older). Employer match is on top of that limit.