See how your 401(k) could grow with your contributions, your employer’s match and investment returns.
Balance at 65
$954,589
2026 limits (IRS Notice 2025-67): $24,500, plus an $8,000 catch-up from age 50 or $11,250 at ages 60 to 63; limits are kept at 2026 levels in the projection. Before tax and fees, in today’s dollars only if the return is a real return.
| You (total) | Employer (total) | |
|---|---|---|
| Age 40 | $31,224.24 | $11,709.09 |
| Age 45 | $65,698.33 | $24,636.87 |
| Age 50 | $103,760.50 | $38,910.19 |
| Age 55 | $145,784.22 | $54,669.08 |
| Age 60 | $192,181.80 | $72,068.17 |
| Age 65 | $243,408.48 | $91,278.18 |
Balance at 65
Each year your contribution (capped at the 2026 limit for your age) and the employer match are added, and the balance grows at the chosen return. Salary rises by the chosen percentage each year. Traditional 401(k) contributions also lower your taxable income today: see the effect in the paycheck calculator.
You can defer up to $24,500 in 2026. Workers aged 50 and over can add an $8,000 catch-up ($32,500 in total), and those aged 60 to 63 an $11,250 catch-up ($35,750 in total), per IRS Notice 2025-67.
Saving 8% of a $75,000 salary with a 50% match up to 6%, a $25,000 balance, 6% returns and 2% raises grows to about $954,589 by age 65.
Yes, in almost every case: an employer match is an immediate return on your contribution, often 50% or 100%, before any investment growth.
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