A 401(k) is an employer-sponsored retirement savings plan that lets you contribute pre-tax (or Roth after-tax) dollars, reducing your taxable income. For 2025, the employee contribution limit is $23,500, with a $7,500 catch-up for ages 50–59 and 64+, and a special SECURE 2.0 super catch-up of $11,25...
0 if starting fresh
Your gross annual salary
EMPLOYER MATCH
% of your contribution
Cap as % of annual salary
= $3,200.00/yr employer contribution
PROJECTED BALANCE AT AGE 65
$1,548,253.04
Employer match: $112,000.00 · Tax savings: $1,760.00/yr
AT RETIREMENT
$1,548,253.04
EMPLOYER MATCH
$112,000.00
TAX SAVINGS/YR
$1,760.00
GROWTH
$1,156,253.04
CONTRIBUTION BREAKDOWN
BALANCE OVER TIME
✓ $3,200.00/yr employer match = 4.0% of salary
That's $112,000.00 in free money over 35 years
Live diagram · updates as you type
Enter your current 401(k) balance, current age, and retirement age. Then enter your annual salary and your planned annual employee contribution.
Enter your employer match details. "100% match up to 4%" means your employer matches every dollar up to 4% of your salary. "50% match up to 6%" means 50 cents per dollar up to 6% of salary.
Enter your expected annual return and your marginal tax rate. The tax rate is used to calculate your annual tax savings from pre-tax 401(k) contributions.
The calculator shows projected balance at retirement, total employer contributions (free money!), annual tax savings, and how much comes from growth vs. contributions.
Sarah earns $80,000/year and contributes $8,000 to her 401(k). Her employer matches 100% up to 4% of salary ($3,200/year). Total annual contribution: $11,200. At 7% annual return over 35 years starting at age 30: Final balance = $1,548,253. Total she contributed: $280,000. Employer match: $112,000 (free money!). Investment growth: $1,156,253. At 22% marginal tax rate, her annual tax savings: $1,760.
| AGE GROUP | EMPLOYEE LIMIT | TOTAL LIMIT (EE+ER) |
|---|---|---|
| Under 50 | $23,500 | $70,000 |
| 50–59 and 64+ | $31,000 (+$7,500 catch-up) | $77,500 |
| 60–63 (SECURE 2.0) | $34,750 (+$11,250 super catch-up) | $81,250 |
Source: IRS Notice 2024-80 · SECURE 2.0 Act · Combined employee + employer limit: $70,000
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Limits: IRS Notice 2024-80 · 2025 employee limit $23,500 · Catch-up $7,500 (50+) · Super catch-up $11,250 (60–63) · Total limit $70,000 · Last updated: April 25, 2026 · Formula verified by EagleCalculator team · For informational purposes only — consult a financial advisor · Eagle-eyed accuracy for every calculation.