401(k) Retirement Growth Calculator with Employer Match

2026 IRS Contribution Limits & Employer Match Rules

For tax year 2026, the IRS elective deferral limit under IRC § 402(g) is $24,500 for employees under age 50, with an additional $8,000 catch-up contribution for individuals aged 50 and older (and $11,250 super catch-up for individuals aged 60–63 under SECURE 2.0). The combined employee and employer contribution ceiling under IRC § 415(c) rises to $72,000.

Capturing the full employer matching contribution (e.g. 50% match up to 6% of salary) represents an immediate, risk-free 50% to 100% return on invested capital.