How much should I contribute to my 401k?

Contribute at minimum enough to capture the full employer match, which is free money and the highest guaranteed return most people can get. A common target beyond the match is 15% of your gross pay including the employer match, working toward the 2026 IRS annual limit of $24,500 if you can afford it.

What is the 2026 employee contribution limit?

The 2026 employee contribution limit is $24,500, with an $8,000 catch-up for those age 50 and older (and $11,250 at ages 60–63).

What is a good 401k balance by age?

A common benchmark is to have saved 1× your annual salary by age 30, 3× by 40, 6× by 50 and 8–10× by retirement.

Calculators

401k Calculator

Free, real-time 401(k) calculator showing contributions, employer match and compound growth

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Community votes: 0
DR by Ahrefs: 7 no change since last check

Ahrefs Domain Rating benchmarked 16 Oct 2026, rebuilt 16 Oct 2026.

401k Calculator metrics

Benchmarks for 401kcalculator.info: Ahrefs Domain Rating and Majestic link data, with the change since the last build.
Metric	Value
Domain Rating	7 no change since last check
Trust Flow	17 no change since last check
Citation Flow	10 no change since last check
Referring domains	19 no change since last check
External backlinks	921 no change since last check

Ahrefs Domain Rating benchmarked 16 Oct 2026, rebuilt 16 Oct 2026. Main build topic: Computers/Programming/Internet (14). Majestic benchmarked 16 Oct 2026, rebuilt 16 Oct 2026. Link data built by Majestic. Trust Flow, Citation Flow and Topical Trust Flow are trademarks of Majestic-12 Ltd.

401k Calculator domain build sheet

Public RDAP record, last read 16 Oct 2026, 14:15 UTC.
Domain age	3 months
Registered	12 Jul 2026
Expires	12 Jul 2027
Registrar	HOSTINGER operations, UAB
DNSSEC	Not signed

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A free online tool that instantly projects your 401(k) retirement balance by calculating your contributions, employer match and investment growth, with no

What it is

Screenshot of the 401k Calculator homepage — 401kcalculator.info, as visitors see it

401k Calculator is a free web-based tool for projecting 401(k) retirement account balances. It lets you enter your age, current balance, salary, contribution rate, employer match formula and expected returns, then instantly shows your projected balance at retirement, broken down into your contributions, employer contributions and investment growth. The calculator updates live as you adjust inputs, with no account required and all calculations performed in your browser without storing any data. It is accompanied by eleven other focused calculators covering employer match, withdrawal penalties, Roth vs traditional comparisons, paycheck impact, required minimum distributions and more, plus educational guides and FAQs on 401(k) planning.

What it is built with

Live, real-time calculations that update as you type
Breaks down balance into contributions, employer match and investment growth
No signup or account required
All calculations run in the browser with no data stored
Updated for 2026 IRS contribution limits
11 focused calculators for different 401(k) scenarios
Visual chart showing balance growth over time
Employer match calculator
Roth vs traditional comparison tool
Early withdrawal penalty calculator

Pricing

Pricing model: Free

Compare and explore

Questions from the bench

How much should I contribute to my 401k?: Contribute at minimum enough to capture the full employer match, which is free money and the highest guaranteed return most people can get. A common target beyond the match is 15% of your gross pay including the employer match, working toward the 2026 IRS annual limit of $24,500 if you can afford it.
What is the 2026 employee contribution limit?: The 2026 employee contribution limit is $24,500, with an $8,000 catch-up for those age 50 and older (and $11,250 at ages 60–63).
What is a good 401k balance by age?: A common benchmark is to have saved 1× your annual salary by age 30, 3× by 40, 6× by 50 and 8–10× by retirement.

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