2026 Contribution Limits

Retirement Calculator

Enter your age, savings, and contributions to see how much you could have when you retire and what it could pay you each month. Uses 2026 IRS limits.

Your Retirement Details

Your age now

35 yrs

Age you want to retire

Retirement savings you have today

$45k

Yearly salary (before tax)

401(k) contribution (% of salary)

10%

The share of each paycheck you put in. The 2026 limit is $24,500 a year ($32,500 from age 50, $35,750 at ages 60–63).

Employer match (% of what you put in)

Free money from your employer. "50%" means they add 50 cents for every dollar you contribute.

Match applies up to (% of salary)

% of salary

Expected yearly return

How much your investments grow in an average year. This is an assumption, not a promise.

Expected inflation rate

How fast prices rise each year. Used to show your income in today's dollars.

Results

Projected retirement balance

Monthly income (4% rule)

Monthly income in today's dollars

You put in (incl. today's savings)

Employer match total

How this works: contributions and the match are added once a year and grow at your expected return; salary is assumed to stay the same. Monthly income uses the 4% rule (take 4% of the balance in the first year). Social Security is not included.