Project your 401(k) balance at retirement. Calculate employer match, catch-up contributions, and compare Traditional vs Roth 401(k) options. Updated with 2026 federal tax brackets, standard deductions, and contribution limits.
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| Tax Rate | Single Filer | Married Filing Jointly |
|---|---|---|
| 10% | $0 – $12,150 | $0 – $24,300 |
| 12% | $12,151 – $49,475 | $24,301 – $98,950 |
| 22% | $49,476 – $105,525 | $98,951 – $211,050 |
| 24% | $105,526 – $201,350 | $211,051 – $402,700 |
| 32% | $201,351 – $255,925 | $402,701 – $511,850 |
| 35% | $255,926 – $640,500 | $511,851 – $768,600 |
| 37% | Over $640,500 | Over $768,600 |
This 401(k) calculator uses the latest 2026 federal tax brackets, standard deduction of $15,350 (single) / $30,700 (married filing jointly), and updated contribution limits. The Social Security wage cap for 2026 is $183,300, and the 401(k) contribution limit is $24,000.
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| Age | Salary | Contrib. | Match | Returns | Balance |
|---|---|---|---|---|---|
| 31 | $85,000 | $12,750 | $2,550 | $2,286 | $42,586 |
| 32 | $87,550 | $13,133 | $2,627 | $3,533 | $61,877 |
| 33 | $90,177 | $13,526 | $2,705 | $4,900 | $83,008 |
| 34 | $92,882 | $13,932 | $2,786 | $6,396 | $106,123 |
| 35 | $95,668 | $14,350 | $2,870 | $8,031 | $131,374 |
| 36 | $98,538 | $14,781 | $2,956 | $9,817 | $158,928 |
| 37 | $101,494 | $15,224 | $3,045 | $11,764 | $188,962 |
| 38 | $104,539 | $15,681 | $3,136 | $13,886 | $221,665 |
| 39 | $107,675 | $16,151 | $3,230 | $16,195 | $257,241 |
| 40 | $110,906 | $16,636 | $3,327 | $18,706 | $295,910 |