Retirement calculator

401(k) contribution limit calculator

Check your 2026 401(k) employee deferral limit by age, and how much contribution room you have left.

2026 IRS limits: $24,500 base employee deferral; +$8,000 catch-up for age 50+; a $11,250 “super catch-up” for ages 60–63 (in place of the standard catch-up) under SECURE 2.0. If you earned over $150,000 in 2025, 2026 catch-up contributions must be made as Roth. Source: IRS, “401(k) limit increases to $24,500 for 2026.”