Project your 401(k) balance with employer match and compound growth over your career.
USA only
FinCalc Smart.
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Financial Calculator
401(k) Details
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Results
Your Annual Contribution
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Employer Match
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Total Year 1
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Projected Balance
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2026 Limit Status
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Total Match Value
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2026 401(k) Contribution Limits
Contribution Type
2026 Limit
Employee contribution (under 50)
$23,500
Catch-up (age 50–59 and 64+)
+$7,500 = $31,000 total
Super catch-up (age 60–63)
+$11,250 = $34,750 total
Total including employer (all ages)
$70,000
Frequently Asked Questions
Traditional: contributions are pre-tax (reduces current taxes), withdrawals taxed in retirement. Best if you're in a higher bracket now than you expect in retirement. Roth: contributions are after-tax, all growth and qualified withdrawals are tax-free. Best if you expect higher taxes in retirement. You can contribute to both in the same year — total can't exceed the annual limit.
Four options: (1) Leave it with old employer if balance > $7,000, (2) Roll to new employer's plan, (3) Roll to Traditional IRA (most investment options), (4) Cash out — not recommended (10% penalty + income taxes if under 59½). Rolling to IRA typically gives the most flexibility.
⚠️ USA only. 2025 limits apply. Not financial advice.
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