2026 401(k) Calculator
Model your retirement balance with 2026 IRS contribution limits, employer match, inflation adjustment, and a New York state/city withdrawal estimate.
Inputs
Balance Breakdown by Age
Stacked bars separate starting/employee principal, employer match, and investment growth.
Model uses a mid-year contribution assumption. Current balance is treated as starting principal because historical employee, employer, and growth data are unknown.
How This 401(k) Calculator Works
This tool uses the IRS 2026 elective deferral limit of $24,500, the $8,000 standard catch-up limit for age 50+, and the $11,250 super catch-up limit for ages 60 through 63. Catch-up contributions are modeled on top of the $72,000 annual additions limit.
Employer match has two separate inputs: match rate and match cap. For example, a 100% match up to 4% of salary means the employer contributes dollar-for-dollar on eligible employee contributions up to 4% of compensation. Employer calculations use the 2026 compensation cap of $360,000.
The New York toggle does not tax the whole account balance. It estimates a 4% annual withdrawal first, then applies the selected New York state/city marginal estimate to that annual withdrawal only.
Sources: IRS 2026 401(k) limit release · IRS COLA retirement limits table
Educational information only. This calculator is not investment, tax, legal, or personalized financial advice. Confirm plan rules and tax treatment with your employer, plan administrator, CPA, or qualified financial adviser.