401(k) & Retirement Growth Calculator (2026)
For Tax Year 2026, the IRS elective deferral limit has increased to $24,000 (with projections reaching $24,500) for workers under age 50. Workers aged 50 and older can make additional catch-up contributions of $7,500. Furthermore, under the SECURE 2.0 Act, participants aged 60, 61, 62, and 63 qualify for an enhanced "super catch-up" limit of $11,250 (or 150% of the standard catch-up), providing accelerated wealth accumulation in the years immediately preceding retirement.
When evaluating retirement readiness, financial planners frequently apply the 4% Safe Withdrawal Rule (derived from the landmark Trinity Study). This rule suggests that withdrawing 4% of your total portfolio balance in your first year of retirement, adjusted annually for inflation, provides a 95%+ probability that your savings will endure across a 30-year retirement. Use this tool to model your future nest egg, estimate monthly retirement income, and see how increasing monthly contributions by just 1% to 2% transforms your financial freedom.
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View All 8 Tools →Frequently Asked Questions
Official guidance, statutory formulas, and IRS benchmarks.
What is the 401(k) contribution limit for 2026?
For 2026, the statutory individual employee contribution limit is $24,000 (projected up to $24,500 with inflation indexation). Employees aged 50 and older can contribute an additional $7,500 in catch-up contributions. Under SECURE 2.0, employees aged 60 to 63 can contribute a higher catch-up of $11,250.
What annual rate of return should I assume for retirement projections?
Historically, the S&P 500 has produced an average nominal annualized return of approximately 10% (or 7% after adjusting for inflation). For conservative retirement planning, financial advisors typically recommend assuming a 6% to 8% nominal annual return depending on your stock-to-bond asset allocation.
What is the 4% safe withdrawal rule in retirement?
The 4% rule states that you can withdraw 4% of your retirement portfolio in year one, and adjust that dollar amount for inflation each subsequent year, with minimal risk of running out of money over a 30-year retirement horizon.
Why is an employer 401(k) match considered 'free money'?
An employer match (such as 50% or 100% of contributions up to 6% of your salary) represents an immediate, guaranteed return on investment. If your employer offers a match, you should always contribute at least enough to capture the full match before funding other accounts.