Runs in your browser · Last updated 4 September 2026
Free 401k Employer Match Calculator (US, 2026)
Free 401k employer match calculator for 2026: $24,500 deferral, $8,000 catch-up, $11,250 super catch-up ages 60–63. Browser tool — nothing is uploaded.
Your deferral (capped)
$6,000
Employer match
$3,000
Combined
$9,000
2026 employee room left
$18,500
Employee IRS cap
$24,500
Combined room left
$63,000
2026 elective deferral $24,500; catch-up $8,000 (age 50+); super catch-up $11,250 (ages 60–63). Combined employee+employer $72,000 plus catch-up.
How to use this tool
- Enter salary, the percent you defer, and the plan match formula.
- Set age so catch-up caps apply.
- Read employee, employer, and leftover IRS room.
Worked example
$100,000 salary, 6% deferral, 50% match on the first 6%, age 40: you put in $6,000, the employer puts in $3,000, and $18,500 of the $24,500 employee cap remains. Age 50+ leftover can go to the catch-up vs card page; health dollars are on the 2026 HSA calculator. A pre-tax IRA conversion that should stay inside one ordinary bracket is on Roth conversion bracket-fill; a 2026 health FSA election is on the FSA calculator.
Frequently asked questions
- What are the 2026 limits?
- Elective deferral $24,500. Catch-up $8,000 if age 50+. Super catch-up $11,250 if you turn 60–63. Combined employee+employer $72,000 plus catch-up (IRS IR-2025-111).
- What does 50% of the first 6% mean?
- On a $100,000 salary, 6% is $6,000 from you and $3,000 from the employer. Deferring 10% still only matches the first 6% unless your plan says otherwise.
- Uploaded?
- No. Salary never leaves this tab.
- Roth 401k?
- The dollar caps are the same. This page does not split pre-tax vs Roth.
- Is this tax advice?
- No. Confirm the match formula in your plan document.