Project your 401(k) balance at retirement with your contribution rate, employer match, salary growth and the 2026 IRS limits, including the new age 60–63 catch-up.
Each year you put in a percentage of your salary, your employer may add a match, and the whole balance grows with your investment return.
If your chosen percentage would go over the limit, the calculator caps it and flags those years.
$24,500 in employee deferrals. People 50 and over can add an $8,000 catch-up, and people aged 60 to 63 can add $11,250 instead.
A higher catch-up limit created by SECURE 2.0 for the years you turn 60, 61, 62 or 63. For 2026 it's $11,250, replacing the regular $8,000 catch-up in those years.
At least enough to get the full employer match, since that's free money. Many planners suggest saving 10–15% of pay for retirement in total, including the match.
From 2026, if your wages from the employer were over $150,000 the year before, your catch-up contributions must go into the plan's Roth option.