401K Calculator [2026] - Estimate Retirement Balance & Withdrawals
401K Savings and Planning Calculator
Disabled: Monthly compounding with year-end contributions
Retirement Portfolio Analysis
Savings & Withdrawals Schedule
| Month | Starting Balance | Principal Withdrawn | Interest Earned | Remaining Balance | Cumulative Principal | Cumulative Interest | Cumulative Withdrawn |
|---|
Why Use This 401(k) Calculator?
I’ve noticed that a lot of 401(k) calculators out there either don’t follow the rules about employee and total contribution limits or use old data—some still show limits for 2024 or 2025! Even worse, some of them mess up the math on balances and interest. That’s why I made this calculator: to give you accurate, up-to-date info you can trust.
How Much Will My 401(K) Balance and Disposable Income Be After Retirement?
Let’s say you:
- Your age now: 35
- Your planned retirement age: 65
- Your life expectancy: 83
- Your retirement savings today: $60,000
- Average investment return: 6%
- Inflation rate (annual): 3%
- Annual Gross Income ($): $80000
- Your current income increase: 3%/year
- 401(k) Contribution: 10% of salary
- Employer Match: 50%
- Maximum Employer Match: 3% of salary
At age 65, your 401(k) balance will be $1,392,095.58. You can withdraw $128,569.13 per year until age 83, which is equivalent to a fixed monthly withdrawal of $10,554.34.
Considering the impact of inflation, your first-year monthly withdrawal will be $8,348.72. This amount will then increase by 3.00% each year, so in the second year, your monthly withdrawal will be $8,599.18.
What Is the Common 401(k) Limits (2024, 2025, 2026)?
401(k) contribution limits for 2024
- Employee contribution limit: $23,000 ($30,500 for age 50+)
- Total contribution limit: $69,000 ($76,500 for age 50+)
401(k) contribution limits for 2025
- Employee contribution limit: $23,500 ($31,000 for age 50-59 and 64+, $34,750 for age 60-63)
- Total contribution limit: $70,000 ($77,500 for age 50-59 and 64+, $81,250 for age 60-63)
401(k) contribution limits for 2026
- Employee contribution limit: $24,500 ($32,500 for age 50-59 and 64+, $35,750 for age 60-63)
- Total contribution limit: $72,000 ($80,000 for age 50-59 and 64+, $83,250 for age 60-63)
| Year | Pretax and Roth employee contributions | Employee + employer contributions | Catch-up contributions (in addition to the employee and employer limit) |
|---|---|---|---|
| 2024 | $23,000 | $69,000 | $7,500 |
| 2025 | $23,500 | $70,000 | $7,500 (50-59 or 64+), $11,250 (60-63, if your plan allows) |
| 2026 | $24,500 | $72,000 | $8,000 (50-59 or 64+), $11,250 (60-63, if your plan allows) |
Note: Contribution limits are adjusted annually by the IRS. Check current limits on IRS.gov.
References
This calculator incorporates standard financial formulas and principles. For authoritative information on retirement planning, consult these official sources:
- IRS 401(k) Contribution Limits - Official IRS guidance on annual contribution limits
- Social Security Administration Retirement Planning - Federal retirement benefit information
- U.S. Department of Labor - Retirement Planning - Comprehensive retirement planning resources
- SEC Investor.gov - Retirement Plans - Securities and Exchange Commission investor education
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