Updated 2026-03-30
401(k) Contribution Calculator & Optimization Guide
Find your ideal contribution rate, maximize your employer match, and see your paycheck impact
2026 limits: $24,500 (under 50), $32,500 (50-59/64+), $35,750 (60-63). Your employer match does not count toward this limit. Use our calculator to find your optimal contribution rate and see exactly how much goes to your 401(k) each paycheck.
Optimization Steps
- Step 1: Contribute at least enough to capture the full employer match
- Step 2: Target 15% total savings rate (including match)
- Step 3: Consider front-loading if your plan offers a true-up match
- Step 4: Enable auto-escalation to increase by 1% per year
Pavlo Pyskunov
Managing Director & Investment Fund Director
Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.
Last updated: 2026-03-30