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401(k) Planner Calculator

Maximize your employer match and annual contributions.

Understanding This Calculator

A 401(k) is one of the most powerful retirement vehicles — combining tax-deferred growth with an employer match, which is essentially free money. Aim to contribute enough to capture the full match.

Core Formula

Total Annual = Your Contribution + Employer Match

What is the 2026 401(k) contribution limit?

For 2026, the employee contribution limit is $23,500, with a $7,500 catch-up for those 50+. Total annual additions cap is $69,000.

Should I prioritize match over debt payoff?

At minimum, contribute up to the match — it delivers an instant, risk-free return that is difficult to match elsewhere.

* All calculations above are theoretical estimates. Actual returns vary based on market performance, fees, taxes, inflation, and economic factors. This tool is for educational purposes only — not financial advice.