See exactly what your 401(k) will be worth
Free retirement calculators that use the current-year IRS limits and tax brackets - project your 401(k) growth, capture your full employer match, and compare Traditional vs Roth in seconds.
2026 deferral limit $24,500Super catch-up $11,250IRA limit $7,500No sign-up · 100% free
12 free tools
Retirement calculators
Each tool server-renders an instant example, then updates live as you change the numbers - with a shareable link and a clear chart.
401(k) Growth ProjectorSee your projected balance at retirement, year by year.Most popularEmployer Match OptimizerFind the free money you're leaving on the table.Traditional vs Roth 401(k)Pre-tax now or tax-free later? Compare side by side.Traditional vs Roth IRAWhich IRA wins for your tax brackets.2026 Contribution LimitsYour exact deferral, catch-up and IRA limits.UpdatedPaycheck ImpactSee how a higher contribution changes take-home pay.Roth ConversionThe tax cost of converting this year.Early-Withdrawal Penalty10% penalty, Rule of 55 and 72(t) exceptions.RMD CalculatorRequired minimum distributions at 73/75.401(k) Fee AnalyzerHow 0.5% vs 1% fees drain your balance.Rollover DecisionLeave it, roll to an IRA, or move it.401(k) Millionaire / FIREWhen you hit $1,000,000.
Why Retire Projector?
Always currentNumbers come from the latest IRS cost-of-living notice and Revenue Procedure - IRS Notice 2025-67 - not last year's figures.
Your exact numbersType your salary, age and match. We compute against the real limits and brackets, not a generic example.
Decisions, not just mathRoth vs Traditional, rollover choices, the cost of cashing out early - tools that actually help you decide.
Private & freeNo account, no email, no paywall. Your inputs never leave your browser unless you choose to share a link.
2026 contribution limits at a glance
Full limits & catch-ups$24,500
401(k) employee deferral
$8,000
age 50+ catch-up
$11,250
ages 60-63 super catch-up
$7,500
IRA / Roth IRA
$72,000
total 415(c) limit
How it works
1. Enter your numbersSalary, age, contribution percent and employer match. Sensible defaults mean it works the moment the page loads.
2. See it instantlyThe projection, year-by-year table and growth chart update live as you drag a slider - no page reload.
3. Share or printEvery result has its own link you can bookmark or send, plus a clean print/PDF view.
Retire Projector is a free, independent retirement-planning toolkit for US savers. We turn the IRS contribution limits and federal tax brackets into clear answers about your 401(k), IRA and Roth accounts. Everything here is educational - always confirm figures with the IRS and a qualified advisor before acting.