Finance
401(k) Contribution Limit Calculator
- Browser-based
- No signup
Browser-based
Enter your age, planned employee contributions, and employer match to see remaining deferral room, catch-up eligibility, and whether you are within IRS annual addition limits.
Results are estimates for educational purposes and are not financial or tax advice. Actual costs, rates, and rules vary.
How to use this tool
Enter your age, planned annual employee contribution, and employer match as a percent of your contribution. Calculate to see deferral limits, employer match dollars, total additions, and whether you are within IRS caps.
Worked example
Example: age 52 with a $30,000 employee deferral and 50% employer match totals $45,000 in additions—within the $72,000 cap but $2,500 over the $32,500 deferral limit (including catch-up).
How it works
Checks your planned 401(k) contributions against 2026 IRS limits: $24,500 elective deferral, $8,000 catch-up for age 50+, and $72,000 total annual additions including employer match. Shows remaining room and any amount over the limits.
Limitations
Results are estimates for educational purposes and are not financial or tax advice. Actual costs, rates, and rules vary.
Privacy and file handling
Your data is processed in your browser and is not uploaded to our server.
Frequently asked questions
Is the 401(k) Contribution Limit Calculator free to use?
Yes. Utilnivo tools are free to use and do not require an account.
Are my inputs stored?
Utilnivo does not require an account. See the privacy note on this page for how your data is processed for this tool.
How do I get started with 401(k) Contribution Limit Calculator?
Open the tool on this page, enter your inputs, and use the on-screen controls. No account is required.
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