401(k) Save the Max Calculator

Work out how much to put in from each remaining paycheck to reach the 2026 401(k) contribution limit, as a dollar amount and as a percent of pay. The free 401k calculator is free to use with no sign-up, and works on desktop and mobile.

Enter your pay and contributions

Your age on December 31, 2026

yrs

Sets your catch-up amount: $8,000 at 50 or older, $11,250 at ages 60 to 63.

Annual salary

Gross pay before taxes and deductions, used to turn the dollar amount into a percent.

Pay frequency

Contributed so far this year

Your own pre-tax and Roth deferrals only, not employer money.

Paychecks left this year

Count only paychecks you can still change.

More options

Your current contribution rate

Shows where you would end the year if you change nothing.

Deferrals to another employer's plan this year

The limit is per person, so a 401(k) or 403(b) at a job you left this year counts too.

My plan allows catch-up contributionsUntick if your plan does not offer them; the limit then stays at $24,500.

Your results

Contribute per paycheck

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As a percent of pay

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Still to contribute

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Your 2026 limit

Employee deferral limit–

Catch-up for your age–

Your total limit–

Gross pay per paycheck–

Year-end total at your current rate–

If your 2025 Social Security wages from this employer were over $150,000, any catch-up amount must go in as Roth.

Paycheck-by-paycheck plan

Contributions from each remaining paycheck and your running total for the year.

Paycheck	Contribution	Year-to-date total	Room left

Results are estimates for educational purposes and are not financial, tax or legal advice.