# 401k calculator

> Calculate your 401(k) balance at retirement from salary, contribution rate and a two-tier employer match, with 2026 IRS limits and catch-up.

Versi interaktif: https://www.calcopenly.com/id/finance/401k-calculator
Topik: Kalkulator keuangan

The projection runs one year at a time. Each year your salary grows, your contribution is the percentage you choose capped at the IRS elective deferral limit for your age, and the employer adds its match: a rate on your contributions up to one slice of salary, then a second rate on the next slice. Contributions go in monthly and the balance grows at the return you enter.

With the defaults, a 30-year-old earning $75,000 who saves 10% with a match of 100% on the first 3% and 50% on the next 2% puts in $7,500 this year and receives $3,000. Salary rising 3% a year and a 7% return build $2,807,522.39 by 67, or $1,349,325.95 in today's dollars at 2% inflation.

For 2026 the deferral limit is $24,500, plus $8,000 from age 50 or $11,250 at ages 60 to 63 (IRS Notice 2025-67). Later limits rise with the inflation you enter, in $500 steps. Taxes, fees and vesting schedules are not modeled.

## Masukan

- **Current age**: Your age at the end of this year; catch-up limits follow the age you reach in each calendar year
- **Retirement age**
- **Annual salary**
- **Salary increase (per year)**
- **Your contribution (% of salary)**
- **Employer match, first tier**: Share of your contributions the employer matches. 100% of the first 3% and 50% of the next 2% is the IRS safe harbor basic match; enter 0 for no match
- **First tier limit (% of salary)**: The first rate applies to your contributions up to this share of salary
- **Employer match, second tier**
- **Second tier limit (% of salary)**: The second rate applies to the next slice of salary above the first tier
- **Current 401(k) balance**
- **Investment return (per year)**
- **Inflation (per year)**: Raises the IRS limits each year in the steps the tax code uses, and converts the final balance to today's dollars. 2% is the Federal Reserve's target
- **Apply IRS contribution limits**

## Hasil

- Balance at retirement — hasil utama
- Balance in today's dollars
- Your contributions
- Employer contributions
- Investment growth
- Your contribution this year
- Employer match this year
- Match left unclaimed this year
- Your 2026 deferral limit
- Years of contributions

## Rumus

$$
B_{k+1} = B_k(1+r) + \frac{C_k}{12}\cdot\frac{(1+j)^{12}-1}{j},\quad j=(1+r)^{1/12}-1,\quad C_k = \min(p\,S_k,\ L_k) + M_k
$$

## Contoh penyelesaian

### Defaults: age 30, $75,000, 10% with a 100%/3% + 50%/2% match

- Current age: 30 years
- Retirement age: 67 years
- Annual salary: 75,000
- Salary increase (per year): 3%
- Your contribution (% of salary): 10%
- Employer match, first tier: 100%
- First tier limit (% of salary): 3%
- Employer match, second tier: 50%
- Second tier limit (% of salary): 2%
- Current 401(k) balance: 25,000
- Investment return (per year): 7%
- Inflation (per year): 2%
- Apply IRS contribution limits: ya
- **Balance at retirement: 2,807,522.39**
- **Balance in today's dollars: 1,349,325.95**
- **Your contributions: 496,306.67**
- **Employer contributions: 198,522.67**
- **Your contribution this year: 7,500.00**
- **Employer match this year: 3,000.00**
- **Match left unclaimed this year: 0.00**
- Sumber pemeriksaan: Python decimal (prec 50) year-by-year model: monthly deposits at the effective monthly rate, limits indexed in $500/$1,000/$5,000 steps

### Zero return and no salary growth

- Current age: 40 years
- Retirement age: 45 years
- Annual salary: 60,000
- Salary increase (per year): 0%
- Your contribution (% of salary): 6%
- Employer match, first tier: 100%
- First tier limit (% of salary): 3%
- Employer match, second tier: 50%
- Second tier limit (% of salary): 2%
- Current 401(k) balance: 10,000
- Investment return (per year): 0%
- Inflation (per year): 0%
- **Balance at retirement: 40,000.00**
- **Your contributions: 18,000.00**
- **Employer contributions: 12,000.00**
- **Investment growth: 0.00**
- **Employer match this year: 2,400.00**
- Sumber pemeriksaan: Hand calculation: 5 × (3,600 + 1,800 + 600) + 10,000 = 40,000

### Age 61 to 63 super catch-up, salary above the compensation limit

- Current age: 61 years
- Retirement age: 64 years
- Annual salary: 400,000
- Salary increase (per year): 0%
- Your contribution (% of salary): 20%
- Employer match, first tier: 100%
- First tier limit (% of salary): 3%
- Employer match, second tier: 50%
- Second tier limit (% of salary): 2%
- Current 401(k) balance: 500,000
- Investment return (per year): 6%
- Inflation (per year): 0%
- **Your contribution this year: 35,750.00**
- **Employer match this year: 14,400.00**
- **Your 2026 deferral limit: 35,750.00**
- **Your contributions: 107,250.00**
- **Balance at retirement: 759,509.93**
- Sumber pemeriksaan: IRS Notice 2025-67: 24,500 + 11,250 = 35,750; match on the $360,000 compensation cap = 10,800 + 3,600; balance from Python decimal

### Age 50 catch-up with limits indexed at 2.5%

- Current age: 50 years
- Retirement age: 55 years
- Annual salary: 200,000
- Salary increase (per year): 2%
- Your contribution (% of salary): 20%
- Employer match, first tier: 50%
- First tier limit (% of salary): 6%
- Employer match, second tier: 0%
- Second tier limit (% of salary): 0%
- Current 401(k) balance: 150,000
- Investment return (per year): 6%
- Inflation (per year): 2.5%
- **Your contribution this year: 32,500.00**
- **Employer match this year: 6,000.00**
- **Your contributions: 169,000.00**
- **Balance at retirement: 432,027.11**
- Sumber pemeriksaan: IRS Notice 2025-67 (24,500 + 8,000); later years and balance from Python decimal with increases rounded down to $500

### Section 415(c) cap on employer contributions

- Current age: 40 years
- Retirement age: 41 years
- Annual salary: 300,000
- Salary increase (per year): 0%
- Your contribution (% of salary): 10%
- Employer match, first tier: 200%
- First tier limit (% of salary): 10%
- Employer match, second tier: 0%
- Second tier limit (% of salary): 0%
- Current 401(k) balance: 0
- Investment return (per year): 5%
- Inflation (per year): 0%
- **Your contribution this year: 24,500.00**
- **Employer match this year: 47,500.00**
- **Balance at retirement: 73,635.47**
- Sumber pemeriksaan: Section 415(c) limit $72,000 (Notice 2025-67): 72,000 − 24,500 = 47,500; balance from Python decimal

## Pertanyaan

### How much can I contribute to a 401(k) in 2026?

$24,500 of elective deferrals, the limit in IRS Notice 2025-67. From the year you turn 50 you can add a catch-up of $8,000, for $32,500 in total, and in the years you turn 60, 61, 62 or 63 the catch-up is $11,250, for $35,750. Employee and employer contributions together, excluding catch-up, are capped at $72,000 under section 415(c).

### How does a 401(k) employer match work?

The employer adds a percentage of what you contribute, up to a share of your pay. Under the IRS safe harbor basic formula, 100% of the first 3% and 50% of the next 2%, a $75,000 earner who contributes at least 5% ($3,750) receives $2,250 + $750 = $3,000. Contributing 2% ($1,500) would earn only $1,500, leaving $1,500 of match unclaimed.

### What is the 401(k) super catch-up for ages 60 to 63?

SECURE 2.0 raised the catch-up limit for people who turn 60, 61, 62 or 63 during the year. For 2026 it is $11,250 instead of the $8,000 that applies from age 50, so the total deferral limit at those ages is $35,750. At 64 the regular $8,000 catch-up applies again.

### Do high earners have to make catch-up contributions as Roth?

Yes, from 2026. If your 2025 wages from the employer sponsoring the plan were above $150,000, your 2026 catch-up contributions must be designated Roth, meaning they are made after tax (IRS Notice 2025-67, section 414(v)(7)). Your regular $24,500 of deferrals can still be pre-tax. The balance projected here is the same either way.

### How much will my 401(k) be worth at retirement?

It depends mostly on the years left and the return. With the defaults, $7,500 a year from you and $3,000 from the employer, both rising 3% a year, grow to $2,807,522.39 over 37 years at 7%. Of that, $694,829.34 is contributions and $2,087,693.05 is investment growth. At a 5% return the same savings reach $1,814,452.59, 35% less.

### Seberapa akurat “401k calculator”?

Akurasi bergantung pada masukan dan asumsi metode. Aritmetika desimal memakai 50 digit signifikan, tetapi perkiraan, metode numerik dan data sumber bisa kurang presisi; pembulatan yang ditampilkan tidak menghilangkan batasan itu. Contoh penyelesaian yang diperiksa dengan sumber independen: 5. Misalnya, “Defaults: age 30, $75,000, 10% with a 100%/3% + 50%/2% match” diperiksa dengan Python decimal (prec 50) year-by-year model: monthly deposits at the effective monthly rate, limits indexed in $500/$1,000/$5,000 steps.

### Dari mana metode ini berasal?

IRS Notice 2025-67: 2026 amounts relating to retirement plans and IRAs; IRS news release IR-2025-111: 401(k) limit increases to $24,500 for 2026; IRS: Operating a 401(k) plan (safe harbor matching formula); 26 U.S.C. 402(g), 414(v) and 415(c): deferral, catch-up and annual additions limits.

## Sumber

- [IRS Notice 2025-67: 2026 amounts relating to retirement plans and IRAs](https://www.irs.gov/pub/irs-drop/n-25-67.pdf)
- [IRS news release IR-2025-111: 401(k) limit increases to $24,500 for 2026](https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500)
- [IRS: Operating a 401(k) plan (safe harbor matching formula)](https://www.irs.gov/retirement-plans/operating-a-401k-plan)
- [26 U.S.C. 402(g), 414(v) and 415(c): deferral, catch-up and annual additions limits](https://www.law.cornell.edu/uscode/text/26/414)

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