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401(k) Calculator: Match, IRS Limits, Catch-Up & Retirement Income

401(k) Calculator

Match, IRS Limits, Catch-Up & Retirement Income

Inputs

Profile & Pay

YEARS
YEARS
$
$
%
%

Contributions & Match

%
% / yr
%
%
%
2026 limit preview

This year: $11,400 employee deferral vs $24,500 limit. Remaining room: $13,100.

Growth & Income Assumptions

%
%

IRS Limits & Plan Caps

$
$
$
$
$

Results

Projected 401(k) Balance

$3,238,139

30 years · age 65 · real value: $1,543,759

Monthly Retirement Income

$10,794

Annual estimate: $129,526

Income Replacement

57.9%

Final salary: $223,874

Current Year Limit

$24,500

Max-out monthly: $2,042

Current Match

$2,850

Vested match total: $135,590

Balance Timeline

Balance Timeline: Nominal: $3.2M, Inflation Adjusted: $1.5M$0$810k$1.6M$2.4M$3.2M354147535965
  • Nominal
  • Inflation Adjusted

Balance Sources

$85k
$804k
$136k
$2.21M
Start
Employee
Employer
Earnings

Contribution Plan

Current Year Employee Deferral
$11,400
Current Year Employer Match
$2,850
Remaining Employee Limit Room
$13,100
Effective Current Contribution
12.0%
Monthly Amount to Max Out
$2,042
Years Capped by Limit
21
Catch-Up Years Used
10
Super Catch-Up Years Used
4

Source Totals

Starting Balance
$85,000
Employee Contributions
+$803,818
Vested Employer Match
+$135,590
Unvested Match Excluded
$0
Investment Earnings
+$2,213,732
Final Balance
$3,238,139
Inflation-Adjusted Balance
$1,543,759
Annual Income Estimate
$129,526