Retirement Calculator (401k)
Project your 401(k) or retirement savings with raises, employer match and the IRS limit — then see the income it can pay and how long it lasts. Free, private, no sign-up.
Free · No sign-upHow to use Retirement Calculator
- 1. Enter your age, the age you plan to retire and how long the money should last.
- 2. Add your salary, current savings, the % you contribute and your employer match (for example 50% up to 6% of pay).
- 3. Set expected returns, inflation and a withdrawal rate — 4% is the classic rule of thumb.
- 4. Read your balance at retirement in future and today’s dollars, the monthly income it supports, and open the year-by-year table or download the CSV.
Frequently asked questions
How much should I have in my 401(k) to retire?
It depends on the income you want. A common rule of thumb is to save about 25 times the yearly income you’ll need from savings, which is the same as a 4% first-year withdrawal. Enter an income goal and Social Security estimate and the calculator shows the nest egg you need and whether you are on track.
What is the 401(k) contribution limit for 2026?
For 2026 the IRS lets employees defer up to $24,500 into a 401(k), 403(b) or TSP. Savers aged 50 and over can add a $8,000 catch-up, and those aged 60 to 63 can add $11,250 instead. Employer matching contributions do not count toward the employee limit.
How does an employer match work?
A typical match is 50% of what you contribute on up to 6% of your pay. If you earn $80,000 and contribute 6% ($4,800), your employer adds $2,400. Contributing less than the match cap leaves free money on the table, and the calculator points that out.
What is the 4% rule?
The 4% rule says you can withdraw about 4% of your savings in the first year of retirement and raise the amount with inflation each year, with a good chance the money lasts around 30 years. It is a rule of thumb from historical U.S. market data, not a guarantee.
What are today’s dollars?
Prices rise over time, so $1 million in 35 years will buy much less than $1 million today. Today’s dollars divide the future amount by the growth in prices from inflation, so you can compare it with your budget now.
Does the calculator include taxes or fees?
No. Results are before tax and fees. Traditional 401(k) withdrawals are taxed as income, Roth withdrawals generally are not, and fund fees reduce returns. This tool is an estimate for planning, not financial advice.