Free 401k Retirement Calculator 2026
Project your 401k balance at retirement. The average American retires with about $200,000 in their 401k — far less than recommended. Starting at 25 and contributing $500/month with a 7% return, you retire at 65 with $1.3 million. Starting at 35 with the same contributions, you retire with $607,000 — half as much. Time in the market matters more than the amount contributed. Use this calculator to project your balance. No sign-up required — your data never leaves your browser. Works instantly on desktop, tablet, and mobile. Completely free with no daily usage limits, no watermarks, and no account needed. Trusted by students, professionals, and businesses worldwide. FixFlowHub is a browser-based toolbox with 120+ free utilities covering PDF, image, text, calculator, and productivity tools.
Frequently Asked Questions
How much should I contribute to my 401k?
At minimum, contribute enough to get your employer's full match — that is a 50-100% instant return on those dollars. Beyond the match, most financial advisors recommend saving 15% of gross income for retirement. The 2025 401k contribution limit is $23,500 ($31,000 if age 50+ with catch-up contributions).
What is the 401k contribution limit for 2026?
The IRS 401k contribution limit for 2025 is $23,500 per year for employees under 50. Workers aged 50 and older can contribute up to $31,000 including catch-up contributions. Employer matches do not count toward these limits.
What is a good 401k balance by age?
Fidelity recommends: by 30 = 1x your salary saved, by 40 = 3x salary, by 50 = 6x salary, by 60 = 8x salary, by 67 = 10x salary. On a $75,000 salary, that means $750,000 saved by age 67.