What is an employer 401k match?

An employer match is free money — your employer contributes a percentage of what you contribute. A common match is 50% up to 6% of salary, meaning if you earn $60,000 and contribute $3,600 (6%), your employer adds $1,800.

What is the 401k contribution limit for 2026?

The IRS 401k employee contribution limit for 2026 is $23,500 ($31,000 if age 50+). Employer contributions are on top of this.

401k Retirement Calculator

Quick answer: Enter your 401k balance, contributions, employer match, and years to retirement to see your projected balance.

Calculate how much your 401k will be worth at retirement based on your current balance, annual contributions, employer match, years until retirement, and expected investment return rate.

Last reviewed: April 2026Report an error

Current 401k Balance ($)

Annual Contribution ($)

Annual Salary ($)

Employer Match (50% up to 6% of salary)

Annual Return Rate (%)

Years to Retirement

Projected Balance at Retirement

$955,439

$955,439 total: $180,000 your contributions + $63,000 employer match + $687,439 growth. Annual match: $2,100.

Your Contributions

$180,000

Employer Match

$63,000

Investment Growth

$687,439

Projected 401(k) Balance Over Time

How to Use This 401k Calculator

1Enter your current 401k balance.
2Enter your annual contribution.
3Enter your employer match percentage and match limit.
4Enter years until retirement and expected annual return.
5Read projected retirement balance split by contributions, employer match, and growth.

Frequently Asked Questions

: An employer match is free money — your employer contributes a percentage of what you contribute. A common match is 50% up to 6% of salary, meaning if you earn $60,000 and contribute $3,600 (6%), your employer adds $1,800.
: The IRS 401k employee contribution limit for 2026 is $23,500 ($31,000 if age 50+). Employer contributions are on top of this.

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