401(k) Contribution Limit Calculator
AdvancedCheck employee deferral room against IRS 401(k) limits.
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- Private & secure
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- On your device
Private on your device
Your information stays on your device and is not uploaded.
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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.
How to use this tool
Enter your age, annual compensation, planned annual employee contribution, employer match % (match rate), and match up to % of salary. Calculate to see deferral limits, employer match dollars, total additions, and whether you are within IRS caps. Planned contributions can be entered as dollars or a percent of compensation.
Worked example
Example: age 40, $100,000 compensation, $20,000 employee deferral, 50% match up to 6% of salary → $3,000 employer match and $23,000 total additions, within both the deferral and total additions limits.
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. Employer match is salary-based: matched % = min(your deferral % of compensation, match-up-to %); employer dollars = compensation × matched % × match rate. 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 stays on your device and is not uploaded.
FAQ
Frequently asked questions
Is 401(k) Contribution Limit Calculator free?
Yes. It is free to use and you do not need to sign in or create an account.
Is my data private?
See the privacy note on this page. Many tools run on your device; some heavier file tools may use secure temporary processing when required.
Can I use 401(k) Contribution Limit Calculator on mobile?
Yes. Open this page on your phone or tablet, enter your inputs, and use the on-screen controls.
Related comparisons
Learn how formats and terms differ before you convert or calculate.
Part of these workflows
This tool is one step in a longer job. Jump straight to your step or open the full workflow guide.
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