Retirement Planning Tool
401(k) Projection Calculator
See what your 401(k) will actually be worth at retirement, with your employer's specific match structure, catch-up contributions, and year-by-year growth.
Works for any company. Enter your match formula and contribution rate to see if you're capturing every dollar of employer match, and what the gap costs you over time.
No sign-up required · Instant results
Employer Match Structure
Check your summary plan description or benefits portal for your exact formula.
e.g. 50 = employer matches 50 cents per dollar you contribute
e.g. 6 = match applies to your first 6% of salary contributed
Contribute at least 6% to capture the full employer match.
Catch-Up Contributions (2026 IRS limits)
2026: $8,000 extra at 50+, $11,250 extra (super catch-up) at 60–63 per SECURE 2.0.
This is an estimate, not a number to plan around alone.
This calculator is an educational tool to help you think through scenarios. The results are illustrative estimates based on the inputs you provided and general assumptions. They are not financial advice, and the numbers shown should not be relied on as exact to your situation.
Real outcomes depend on factors a calculator can't fully model: your complete tax picture, plan-specific rules, market performance, IRS rate changes, life events, and how all the pieces of your financial life interact. Past performance does not guarantee future results.
Projections assume a constant annual return and do not account for market volatility, fees, or changes in tax law. IRS contribution limits are updated annually. Always verify current limits at irs.gov before making contribution decisions.
Before making any decision based on these numbers, let's talk. I'll look at your full picture, pressure-test the assumptions, and help you understand what these numbers actually mean for you, at no cost.
Want help putting these numbers to work?
A projection tells you where you're headed. A plan tells you what to do differently.
I work with corporate employees on 401(k) contribution strategy, employer match optimization, Roth vs. pre-tax decisions, and how your 401(k) fits into a complete retirement income plan.