Retirement Account Contribution Accelerator

See how much more you could retire with by raising your workplace retirement plan contribution a little each year, compared with keeping the same rate, including your employer match and the 2026 IRS limits. Try the life expectancy calculator to run your own numbers — everything is calculated in your browser and nothing you enter is stored or sent anywhere.

Your contribution plan

Current age

yrs

Retirement age

yrs

Annual salary

Yearly raise

Current account balance

Contribution rate now

% of pay

Increase each year by

points

Auto-escalation step, in percentage points.

Stop increasing at

% of pay

Many plans cap automatic increases at 10% to 15%.

Employer match

Share of your contribution the employer matches.

Match up to

% of pay

Expected annual return

More options

Inflation

Used to show the balances in today's dollars.

Apply the 2026 IRS 401(k) limits$24,500 deferral limit, plus $8,000 catch-up from age 50 or $11,250 at ages 60 to 63, held at these levels in later years.

Your results

Balance with yearly increases

–

Balance at a flat rate

–

Extra from increasing

–

Extra in today's dollars

–

Extra you contribute

–

Extra employer match

–

Flat rate vs yearly increases

Your contribution rate and contributions each year under both plans, and the balance at the end of each year.

Age	Salary	Rate	You, flat	You, increasing	Balance, flat	Balance, increasing

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