401(k) Roth Calculator

Display currencyFormatting only. This does not change the calculation.

What do you want to work out?

Plan

Plan year

Annual salary

Current vested balance

Your contribution (% of salary)

Employer match rate (% of your contribution)A 50% match pays 50 cents for every dollar you defer. Ignored for the TSP, which has its own published schedule.

Employer matches up to (% of salary)

Your age now (years)

Age at retirement (years)

Assumed annual return (%)

Assumed annual salary growth (%)

Pay periods a year

Expected tax rate in retirement (%)

Amount withdrawn Early-withdrawal mode only.

How should the federal tax on a withdrawal be worked out?The bracket basis is the honest one: a distribution stacks on top of your other income, so it can span several brackets.

Filing statusUsed only by the bracket basis.

Your other ordinary income this year (USD)Used only by the bracket basis: wages and other income taxed at ordinary rates, before the withdrawal.

Federal marginal tax rate on the withdrawal (%)

State tax rate on the withdrawal (%)

A 72(t) exception applies (disability, separation at 55, QDRO, …)

Loan amount requested Loan mode only.

Loan interest rate (%)

Loan term (years)IRC 72(p)(2)(B) caps a general-purpose plan loan at five years.

Highest loan balance in the last 12 months

Plan permits the $10,000 minimum loan floor

Projected balance at retirement

850,147.08

401(k) Calculator

Your total contributions

180,000.00

Total employer contributions

90,000.00

Investment growth

580,147.08

Balance after tax in retirement

787,802.96

Your contribution this year

6,000.00

Employer contribution this year

3,000.00

Your contribution each pay period

230.77

Elective deferral limit

24,500.00

Annual additions limit (415(c))

72,000.00

Contribution rate that reaches the limit

24.5000 %

Worked out from IRS Notice 2025-67, 2026 amounts relating to retirement plans and IRAs and 4 other sources.

Designated Roth contributions come out tax-free if the distribution is qualified; employer contributions are treated here as pre-tax and taxed on withdrawal unless your plan offers Roth employer contributions under SECURE 2.0 section 604.

Contribution limits are held at their 2026 values throughout the projection; the IRS indexes them for inflation each year.

An estimate based on the assumptions you enter. Contribution limits, the taxation of a distribution and the terms of a plan loan depend on your plan document, your filing position and your state — confirm with your plan administrator and a tax adviser before acting.

How this is worked out

5 steps

2026 elective deferral limit = 24500 + 0 catch-up at age 35 = 24500.
Employee contribution = min(6% x 100000, 24500) = 6000, or 230.77 per pay period.
Employer match = 50% of the first 6% of pay = 3000.
Each year the balance rolls forward as balance x (1 + 7%) plus the year's contributions, for 30 years.
Projected balance at 65 = 850147.08, of which 180000 is yours, 90000 is the employer's and 580147.08 is investment growth.

Year-by-year projectiontable

year	age	salary	employee	employer	growth	balance
1	36	100,000	6,000	3,000	0	9,000
2	37	100,000	6,000	3,000	630	18,630
3	38	100,000	6,000	3,000	1,304.1	28,934.1
4	39	100,000	6,000	3,000	2,025.39	39,959.49
5	40	100,000	6,000	3,000	2,797.16	51,756.65
6	41	100,000	6,000	3,000	3,622.97	64,379.62
7	42	100,000	6,000	3,000	4,506.57	77,886.19
8	43	100,000	6,000	3,000	5,452.03	92,338.22
9	44	100,000	6,000	3,000	6,463.68	107,801.9
10	45	100,000	6,000	3,000	7,546.13	124,348.03
11	46	100,000	6,000	3,000	8,704.36	142,052.39
12	47	100,000	6,000	3,000	9,943.67	160,996.06
13	48	100,000	6,000	3,000	11,269.72	181,265.79
14	49	100,000	6,000	3,000	12,688.61	202,954.39
15	50	100,000	6,000	3,000	14,206.81	226,161.2
16	51	100,000	6,000	3,000	15,831.28	250,992.48
17	52	100,000	6,000	3,000	17,569.47	277,561.96
18	53	100,000	6,000	3,000	19,429.34	305,991.29
19	54	100,000	6,000	3,000	21,419.39	336,410.68
20	55	100,000	6,000	3,000	23,548.75	368,959.43
21	56	100,000	6,000	3,000	25,827.16	403,786.59
22	57	100,000	6,000	3,000	28,265.06	441,051.65
23	58	100,000	6,000	3,000	30,873.62	480,925.27
24	59	100,000	6,000	3,000	33,664.77	523,590.04
25	60	100,000	6,000	3,000	36,651.3	569,241.34
26	61	100,000	6,000	3,000	39,846.89	618,088.23
27	62	100,000	6,000	3,000	43,266.18	670,354.41
28	63	100,000	6,000	3,000	46,924.81	726,279.22
29	64	100,000	6,000	3,000	50,839.55	786,118.76
30	65	100,000	6,000	3,000	55,028.31	850,147.08

Results are general information, not financial, tax, legal, medical or engineering advice.