US Retirement Savings
401(k) Contribution Calculator 2026
Turn a contribution percentage into a monthly paycheck impact and a long-term balance estimate. The calculator is useful for comparing “contribute enough for the match” against “max out the plan,” without opening a brokerage account.
Official Standards & Rule Matrix
Contribution stylesPercentage of salary or fixed dollar amount per paycheck
Employer matchModel a partial match, dollar cap or no match
GrowthAdjust expected annual return and years to retirement
Paycheck viewSee the pre-tax cost per pay period, not just the end balance
How to use this tool
- Enter your gross salary and how often you are paid.
- Choose a contribution percentage or a fixed amount per paycheck.
- Add the employer match formula and the expected annual return.
- Compare the projected balance with and without the match, then confirm the current IRS limit with your plan administrator.
Computed completely in your browser. No personal data or numbers are transmitted over the network.
Frequently Asked Questions
- Does a 401(k) contribution lower my taxable income?
- Traditional 401(k) contributions are generally pre-tax for federal income tax, which lowers current taxable wages. Roth 401(k) contributions are made with after-tax dollars.
- What is the 2026 contribution limit?
- Limits are set by the IRS and can change yearly. The calculator lets you enter the limit you are working with; confirm the current number on irs.gov or with your plan.
- Should I contribute up to the match?
- At minimum, capture the full employer match if you can. It is an immediate return that is hard to beat. The calculator shows the difference in projected balance.
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