401(k) Calculator
Calculate how your 401(k) will grow over time. See the power of compound interest and employer matching on your retirement savings.
401(k) Growth Calculator
2026 limit: $23,000
Free money! Don't leave this on the table.
401(k) at Retirement
$3,713,277
Total Contributed
$855,000
Investment Growth
$2,858,277
💡 Pro tip: Your employer match of $3,000/year adds $105,000 to your contributions over 35 years!
How to Maximize Your 401(k)
Your 401(k) is one of the most powerful retirement savings tools available. With tax-deferred growth and employer matching, it can grow to become your largest retirement asset.
2026 401(k) Contribution Limits
| Age | Employee Limit | With Catch-Up | Total with Employer |
|---|---|---|---|
| Under 50 | $23,000 | N/A | $69,000 |
| 50 and older | $23,000 | $7,500 | $76,500 |
401(k) Strategies for Maximum Growth:
- Always get the full employer match - It's free money with 100% return
- Increase contributions annually - Boost by 1% each year
- Consider Roth 401(k) - Tax-free growth if you expect higher taxes later
- Rebalance periodically - Keep your asset allocation on target
- Avoid early withdrawals - 10% penalty plus taxes before 59½
401(k) vs IRA: Which is Better?
Both are excellent retirement vehicles, but they have different limits and rules:
- 401(k): Higher limits ($23,000), employer match, limited investment options
- IRA: Lower limits ($7,000), more investment choices, income limits for Roth
Best strategy: Contribute enough to your 401(k) to get the full employer match, then max out an IRA, then return to max your 401(k).
Track 401(k), IRA, pension & more. Free forever.