401(k) Calculator 2026 Online

Enter age, salary, deferral, employer match, and return assumptions. 2026 IRS elective, catch-up, and annual-additions limits apply automatically. See estimated balance, income, and a year-by-year table — planning estimates only.

Private & secure
Fast in-browser
No signup

Based on 2026 IRS 401(k) contribution limits

How to use 401(k) Calculator 2026 Online

Open the tool. Go to 401(k) Calculator 2026 on Utilvia. It runs instantly in your browser.
Enter your values. Fill in the fields. Results update as you type — no signup required.
Review the output. Check totals, breakdowns, or formatted text before you copy or save.
Copy or export. Copy the result or download a file. Your inputs stay on this device.

Key features & privacy

401(k) Calculator 2026 Online is built for in-browser use on Utilvia. Work stays on this device whenever the tool runs locally — there is no account wall and no file inbox on our servers.

Runs in modern browsers with JavaScript and HTML5.
No signup required to get a result.
Zero-upload policy on local-first tools — close the tab and the working copy is gone.
Shareable, indexable URL so you can return to the same utility later.

Frequently asked questions

What is the 401(k) contribution limit for 2026?

The 2026 employee elective deferral limit is $24,500. Age 50+ catch-up is $8,000. Ages 60–63 can use the higher SECURE 2.0 catch-up of $11,250. The annual additions limit (employee + employer, excluding catch-up) is $72,000.

How much should I contribute to my 401(k)?

A common starting point is at least enough to capture the full employer match, then work toward the IRS maximum if your budget allows. This calculator shows when you hit the annual limit and how match, salary growth, and returns change the projected balance.

What is the employer 401(k) match and why does it matter?

Many employers match a percentage of what you defer, up to a share of salary (for example 50% up to 6%). That match is additional compensation. Contributing below the match cap means leaving part of it unclaimed.

What is the SECURE 2.0 super catch-up contribution?

For ages 60–63, 2026 allows a higher catch-up of $11,250 instead of the regular age-50 catch-up of $8,000. The calculator applies the matching limit automatically in those years.

Is this calculator free?

Yes. It runs in your browser with no signup. Salary and balance figures stay on your device.