Figures
- 401(k) employee deferral limit: $24,500
- Catch-up age 50+: $8,000 (ages 60-63: $11,250)
- IRA limit: $7,500 (+$1,100 catch-up at 50+)
- Overall 401(k) limit (employee + employer): $72,000
- Roth IRA income phase-out (single): $153,000 - $168,000
401(k) & IRA Retirement Calculator
Project your 401(k) and IRA balance at retirement with the 2026 IRS contribution limits and catch-up rules. This is an estimate for planning, not financial advice.
Estimate
Estimate only. Not financial, tax or legal advice. Nothing you type leaves your browser.
Rules used · 2026
Limits and rates in this calculator
Checked Nov 2026. Rules change every year, so confirm against the official source before you act.
Spotted something out of date? Use the report form below the FAQ.
Sources
FAQ
Frequently asked questions
What are the 401(k) limits for 2026?
The employee deferral limit is $24,500. Savers 50 and older can add $8,000, and ages 60 to 63 can add $11,250 instead. The overall limit including employer money is $72,000.
What is the IRA limit for 2026?
You can put $7,500 into IRAs for 2026, plus a $1,100 catch-up if you are 50 or older. Roth IRA eligibility phases out between $153,000 and $168,000 of income for single filers.
What is the 4% rule?
It is a rule of thumb that you can withdraw about 4% of your balance in the first year of retirement and adjust for inflation. It is an estimate, not a guarantee.
Is this advice?
No. It is a simple projection with the assumptions you enter. Speak to a licensed adviser for personal advice.