401(k) Contribution Calculator
Estimate your available employee deferral room for 401(k)/403(b)/457 plans using annual IRS limits.
Configure your scenario
Enter your age, salary, and planned contribution to check deferral room.
$24,500
$20,000
$4,500
Detailed estimate
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401(k) - quick answers
Does this include employer match?+
No. This page checks employee elective deferrals and catch-up limits only.
Why does age 60-63 show a different catch-up?+
SECURE 2.0 introduced a higher catch-up amount for eligible ages 60 through 63.
Official references
Sources & Act Reference
401(k) contribution references
Annual deferral cap
IRS sets elective deferral limits annually with COLA updates.
Catch-up treatment
Additional catch-up allowances apply by age and plan eligibility.
Rule Trace
Applied rule and official references
Applied rule: max employee deferral = annual deferral limit + age-based catch-up (if eligible)
Official quick links
Compliance checklist
Validate plan-specific restrictions, payroll timing, and whether your employer plan supports higher catch-up treatment.
Smart Insight
Your modeled maximum employee contribution is $24,500 for 2026.
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