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401(k) Calculator with Employer Match

See how your 401(k) could grow by retirement, including your employer's match. The calculator applies the 2026 IRS contribution limit ($24,500, plus catch-up contributions from age 50) and tells you if you're leaving free match money on the table.

By the CalcKite team · Last reviewed 19 Oct 2026 · Cite · Embed

How to use the 401(k) Calculator with Employer Match

Fill in the fields on the left. Results, charts and the breakdown update instantly as you type or move a slider. Pick your country at the top of the page to switch currency.

Formula

Each year: your contribution = salary × your % (up to the IRS limit) Employer match = salary × min(your %, match cap %) × match rate Balance = previous balance × (1 + return) + contributions

Frequently asked questions

What is the 401(k) limit for 2026?

$24,500 for employee contributions, plus $8,000 catch-up at 50 or older ($11,250 for ages 60–63).

How much should I contribute?

At least enough to get the full employer match — it's an instant return on your money.

Cite or link to this calculator

Using this calculator in an article, report or assignment? You can cite it like this:

CalcKite. (2026). 401(k) Calculator with Employer Match [Online calculator]. https://www.calckite.com/401k-calculator/

Or add a link to it from your website or blog:

<a href="https://www.calckite.com/401k-calculator/">401(k) Calculator with Employer Match</a> by CalcKite

Add this calculator to your website — free

Bloggers, schools, agents and businesses can embed the 401(k) Calculator with Employer Match on their own pages. Copy the code below and paste it into your page's HTML. The calculator resizes itself to fit, and works on phones.

Free to use — please keep the credit link under the calculator. Browse all free calculators for your website.

Results are estimates for information only and are not financial, tax or legal advice. Tax rules, interest rates and fees change, so confirm important numbers with your bank, employer or a qualified adviser. Read our disclaimer.