401k calculadora

proyecto tu 401(k) saldo en jubilación desde contribuciones, coincidir y growth.

Última actualización: Oct 17, 2026

Your 401(k) Details

Enter your savings details to estimate your balance at retirement.

Current Age

Retirement Age

Annual Salary

Current 401(k) Balance

Employee Contribution Method

Your Contribution

Expected Annual Return

Employer Matching

Include match

Employer Match Rate

Match Up to (% of Salary)

Example: 50% match on employee contributions up to the first 6% of salary.

Your first-year savings —

Employer match —

Combined —

Advanced retirement settings & contribution limits

Annual Salary Growth

Annual Investment Fees

Expected Annual Inflation

Annual Fixed-Dollar Contribution Growth

Only affects Monthly Dollars mode.

Contribution Limit Assumption Future-year IRS limits are unknown. Fixed limits are a scenario, not a prediction or tax advice.

Your Retirement Projection

A breakdown of your projected retirement account.

Projected 401(k) Balance at Age 65 — 30 modeled contribution years

Your Future Contributions —

Employer Contributions —

Investment Growth / Loss —

Balance in Today's Dollars —

Current Annual Contribution —

Current Annual Match —

Illustrative projection; market returns are not guaranteed.

Where Your Retirement Savings Come From

See the starting balance, your deposits, employer match, and modeled investment gains or losses.

Investment growth can be negative when modeled returns and fees reduce the balance.

401(k) Savings Growth by Age

Compare the projected account balance with cumulative contributions and your starting savings.

Total projected balance Starting balance + contributions

What If You Save More?

Explore a lower, current, and higher contribution plan using the same return and employer-match assumptions.

The comparisons use the same contribution-limit assumptions, salary increases, and projected investment performance.

Employer Match Impact

How much might employer contributions and their modeled returns add to your retirement savings?

Without Employer Match —

With Employer Match —

Estimated Match Impact —

2026 401(k) Contribution Limits

Reference limits for ordinary 401(k) employee deferrals and applicable catch-up contributions.

Participant Age	2026 Employee Limit	Includes Catch-Up
Under 50	$24,500	—
50–59	$32,500	$8,000
60–63	$35,750	$11,250
64+	$32,500	$8,000

2026 standard annual additions limit: $72,000, excluding qualifying catch-up contributions, subject to compensation and plan rules. The 2026 compensation limit is $360,000. Future limits are not known.

These figures are for a standard 401(k), not a SIMPLE 401(k). The higher catch-up applies only if your plan permits it. Some higher earners must make catch-up contributions as Roth. Check IRS and your plan documents.

Retirement Balance in Today's Dollars

Compare future nominal savings with their estimated purchasing power.

Projected Future Balance —

Today's-Dollar Equivalent —

Assumed Annual Inflation —

This is not an after-tax withdrawal estimate. Actual inflation, taxes, investment returns and retirement spending may differ.

Year-by-Year Retirement Projection

Review salary, annual contributions, employer match, estimated returns, and ending account balance.

Age / Year	Annual Salary	Your Contribution	Employer Match	Investment Growth	Ending Balance
Enter valid values to see the schedule.

Uses hypothetical full contribution years starting in 2026.

Calculation Details & Assumptions

View employer match formula, compounding, contribution caps and limitations

Retirement projection: the calculator models 12 contributions at the end of each month in each full simulated year. The annual salary adjusts once at the beginning of each subsequent year. The monthly return factor is (annual investment return − annual fee assumption) ÷ 12.

Next Month Balance = Previous Balance × (1 + Monthly Net Return) + Employee Contribution + Employer Match

Employer matching: a simple annualized formula is used: min(employee deferral, eligible salary × match-up-to salary percentage) × match rate. Contributions are distributed equally over 12 modeled months. Actual payroll-by-paycheck matches, vesting, eligibility and true-ups may differ.

2026 limit mode: regular elective deferrals are capped at $24,500. If the plan permits catch-ups, an additional $8,000 is modeled for ages 50–59 or 64+, and $11,250 for ages 60–63. Employee contributions cannot exceed annual salary. Employer matching also observes the $72,000 general annual-additions limit (excluding modeled catch-ups), the 100%-of-compensation rule, and the $360,000 compensation cap. These 2026 amounts are held constant in future simulated years as a planning assumption; future legal limits will change.

Uncapped mode: ignores IRS dollar limits for hypothetical comparison but still does not model employee contributions above actual annual salary. It is not a statement of legally permitted contributions.

Inflation: today's-dollar value = projected nominal balance ÷ (1 + annual assumed inflation)^years. Investment growth includes effects of return assumptions and modeled fees; negative values are possible. Results are before income taxes and withdrawals.

Important limitations: the model assumes 12 complete contribution months even for the first simulated year, not just months remaining in 2026. It is not a calendar-year compliance checker. IRS limits may be shared across plans; it does not model other plan deferrals, tiered matching, profit sharing, vesting, partial employment, plan-specific restrictions, fluctuating returns, actual fee deduction schedules, RMDs, or Roth/traditional tax differences. Review your plan documents and IRS guidance for actual limits.

un 401(k) combines tu propio contribuciones con (a menudo) un employer coincidir y impuesto-advantaged growth — tres separado boosts trabajando juntos toward jubilación. este proyectos tu saldo desde hoy's números a jubilación.

Employer coincidir es gratis money — don't leave lo unclaimed

si tu employer coincidir contribuciones arriba a un certain porcentaje de tu salario, no contributing en least suficiente a obtener la completo coincidir significa walking away desde guaranteed compensation. es typically la único highest-devolver "investment" disponible a la mayoría workers, desde es un instant, guaranteed devolver antes cualquier market growth incluso ocurre.

Contribution límites cambiar sobre tiempo

la IRS establecer un anual límite en cómo mucho tú puede personal contribute a un 401(k), cuál es ajustar periodically para inflation, más un mayor "catch-arriba" límite para esos 50 y older. comprobar la actual año límite directamente con la IRS o tu plan provider, desde este calculadora doesn't enforce contribution caps.

Preguntas frecuentes

debería yo contribute a un 401k o un IRA primero?

un común rule de thumb: contribute suficiente a tu 401(k) a obtener la completo employer coincidir primero (es un immediate guaranteed devolver), entonces consider maxing fuera un IRA para potentially inferior fees y más investment choices, entonces devolver a maxing fuera la 401(k) si tú tener más a guardar.

qué la diferencia entre un traditional y Roth 401k?

Traditional 401(k) contribuciones reducir tu taxable ingresos ahora, con withdrawals impuesto en jubilación. Roth 401(k) contribuciones son made con después-impuesto money ahora, con qualified withdrawals impuesto-gratis en jubilación. cuál es mejor depende grande en si tú expect a ser en un mayor o inferior impuesto bracket en jubilación.