401(k) Contribution Calculator & Optimization Guide

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

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.