🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 148 (from laksa096)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa148.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.bankrate.com/retirement/401-k-calculator/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.bankrate.com/retirement/401-k-calculator/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.bankrate.com\/retirement\/401-k-calculator\/","crawl_time":1775877459,"first_indexed_time":1647025814,"http_code":200,"src_unparsed":"com,bankrate!www,\/retirement\/401-k-calculator\/ s443","src_root_hash":"16841441868536461148","history_drop_reason":null,"meta_title":"401(k) Calculator | Bankrate","meta_descriptions":["Bankrate provides a free 401(k) calculator to help retirement savers calculate their 401(k) portfolio's growth and earnings.","Bankrate provides a free 401(k) calculator to help retirement savers calculate their 401(k) portfolio's growth and earnings."],"attrs_boilerpipe_text":"401(k) calculator definitions\nAnnual salary\n: This is your annual salary before taxes and other benefit deductions. Since your contribution rate and company match are based on the salary paid to you by your employer, don't include any income you receive from other sources.\nContribution percentage (and annual contribution limits)\n: This is the percentage of your annual salary that you contribute to your 401(k) each year. Most employers allow employees to contribute up to 100% of their salary to a 401(k). But the IRS sets limits on annual 401(k) contributions. The maximum employee contribution is $24,500 in 2026, up from $23,500 in 2025. Those age 50 or older can make a catch-up contribution of an additional $8,000 in 2026, up from $7,500 in 2025. But if you're 60, 61, 62 or 63, you're eligible for a catch-up contribution of $11,250 in 2026 and in 2025 (this dollar amount is instead of the $8,000 extra contribution available to other people age 50+). Employer contributions aren't counted in the employee's maximum annual contribution limit. Read more about\n401(k) contribution limits\n.\nEmployees classified as \"highly compensated\" may be subject to contribution limits based on their employer's overall 401(k) participation. If you expect your salary to be $160,000 or more, you may need to contact your employer to see if these additional contribution limits apply to you.\nAnnual salary increase\n: The annual percentage you expect your salary to increase. This calculator assumes that your salary will continue to increase at this rate until you retire.\nRetirement age\n: This calculator assumes that in the year you retire, you don't make any more contributions to your 401(k). For example, if you retire at 65, your last contribution occurs when you're 64.\nAnnual rate of return\n: This calculator assumes that your return is compounded annually and your deposits are made monthly. The actual rate of return is largely dependent on the types of investments you choose in your plan. As an example, the\nS&P 500\nstock index has returned about 10% over the long term. Still, stock-market returns can be volatile over short time periods. Fixed-income investments such as\nbonds\nare typically less volatile, but generally offer lower returns compared to stocks. Keep in mind that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, and can include the loss of principal.\nCurrent 401(k) balance\n: The starting balance or current amount you have invested or saved in your 401(k).\nEmployer match\n: An employer match is in addition to your annual contributions (it doesn't count towards the employee's maximum annual contribution), and is based on a percentage of your annual contributions. For example, let's assume an employer matches 50% of the employee's contributions up to 6% of their salary. The employee earns $100,000 per year and contributes 10% to the 401(k). The results would be:\n$10,000 from the employee\n$3,000 from the employer (which is 50% of $6,000, or 6% of the annual salary)\nTotal: $13,000\nRead the definition for \"employer maximum\" (below) for a detailed description of maximum employer matching contributions. Matching contributions can be subject to a\nvesting schedule\n. See your plan information for details.\nEmployer maximum\n: This is the maximum percent of your salary matched by your employer regardless of the amount you decide to contribute. For example, let's assume your employer has a 50% match, up to a maximum of 6% of your annual salary. If you have an annual salary of $25,000 and contribute 6%, your annual contribution is $1,500. With a 50% match, your employer will add $750 to your 401(k) account. If you increase your contribution to 10%, your annual contribution is $2,500 per year. Your employer match, however, is limited to 50% of the first 6% of your salary and remains $750.","attrs_markdown":"[Skip to Main Content](https:\/\/www.bankrate.com\/retirement\/401-k-calculator\/#main-content)\n\n- [Banking](https:\/\/www.bankrate.com\/banking\/)\n  All\n  \n  Banking\n  \n  Checking & savings\n  \n  CDs\n  \n  Money market\n  \n  Banks\n  \n  [Explore all banking resources](https:\/\/www.bankrate.com\/banking\/)\n  \n  Banking\n  \n  Compare accounts\n  \n  - [Best high-yield savings accounts](https:\/\/www.bankrate.com\/banking\/savings\/best-high-yield-interests-savings-accounts\/)\n  - [Best checking accounts](https:\/\/www.bankrate.com\/banking\/checking\/best-checking-accounts\/)\n  - [Best free checking accounts](https:\/\/www.bankrate.com\/banking\/checking\/best-free-checking-accounts\/)\n  \n  Get guidance\n  \n  - [Savings calculator](https:\/\/www.bankrate.com\/banking\/savings\/simple-savings-calculator\/)\n  - [All savings calculators](https:\/\/www.bankrate.com\/banking\/calculators\/)\n  - 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[![](https:\/\/www.bankrate.com\/f\/102997\/1440x1440\/4c26764452\/how-to-start-saving.png\/m\/50x50\/filters:quality\$90\$:format\$webp\$) How to get a personal loan 11 min read](https:\/\/www.bankrate.com\/loans\/personal-loans\/how-to-get-personal-loan\/)\n  \n  Compare lenders\n  \n  - [Best auto loans](https:\/\/www.bankrate.com\/loans\/auto-loans\/rates\/)\n  - [Best auto loan refinance rates](https:\/\/www.bankrate.com\/loans\/auto-loans\/refinance-rates\/)\n  - [Best car loans for bad credit](https:\/\/www.bankrate.com\/loans\/auto-loans\/bad-credit-loans\/)\n  \n  Get guidance\n  \n  - [Auto loan resources](https:\/\/www.bankrate.com\/loans\/auto-loans\/)\n  - [Auto loan lender reviews](https:\/\/www.bankrate.com\/loans\/auto-loans\/reviews\/)\n  - [Auto loan calculator](https:\/\/www.bankrate.com\/loans\/auto-loans\/auto-loan-calculator\/)\n  - [Auto loan refinancing guide](https:\/\/www.bankrate.com\/loans\/auto-loans\/how-to-refinance-car-loan\/)\n  \n  - [![](https:\/\/www.bankrate.com\/f\/102997\/1440x1440\/d1a328a134\/auto-loan-refinancing-guide-nav.png\/m\/50x50\/filters:quality\$90\$:format\$webp\$) How to get the best auto loan rate 10 min read](https:\/\/www.bankrate.com\/loans\/auto-loans\/how-to-get-the-best-auto-loan-rate\/)\n  - [![](https:\/\/www.bankrate.com\/f\/102997\/720x720\/c481afa0d2\/auto-loan-refinancing-guide-s.jpg\/m\/50x50\/filters:quality\$90\$:format\$webp\$) Auto loan basics 5 min read](https:\/\/www.bankrate.com\/loans\/auto-loans\/what-is-an-auto-loan\/)\n  \n  Compare lenders\n  \n  - [Student loan rates](https:\/\/www.bankrate.com\/loans\/student-loans\/rates\/)\n  - [Student loan refinancing rates](https:\/\/www.bankrate.com\/loans\/student-loans\/refinance-rates\/)\n  - [Best bad credit student loans](https:\/\/www.bankrate.com\/loans\/student-loans\/bad-credit-loans\/)\n  \n  Get guidance\n  \n  - [Student loan resources](https:\/\/www.bankrate.com\/loans\/student-loans\/)\n  - [Student loan lender reviews](https:\/\/www.bankrate.com\/loans\/student-loans\/reviews\/)\n  - [Student loan calculator](https:\/\/www.bankrate.com\/loans\/student-loans\/student-loan-calculator\/)\n  - [Student loan refinance calculator](https:\/\/www.bankrate.com\/loans\/student-loans\/student-loan-refinance-calculator\/)\n  \n  - [![](https:\/\/www.bankrate.com\/f\/102997\/1440x1440\/3d6f458d84\/how-to-start-investing-nav-imagery.png\/m\/50x50\/filters:quality\$90\$:format\$webp\$) Private student loan basics 10 min read](https:\/\/www.bankrate.com\/loans\/student-loans\/private-student-loans-guide\/)\n  - [![](https:\/\/www.bankrate.com\/f\/102997\/1440x1440\/4c26764452\/how-to-start-saving.png\/m\/50x50\/filters:quality\$90\$:format\$webp\$) How to get a student loan 11 min read](https:\/\/www.bankrate.com\/loans\/student-loans\/how-to-get-student-loan\/)\n  \n  Compare lenders\n  \n  - [Best small business loans](https:\/\/www.bankrate.com\/loans\/small-business\/best-small-business-loans\/)\n  - [Bad credit small business loans](https:\/\/www.bankrate.com\/loans\/small-business\/bad-credit-business-loans\/)\n  - [Business lines of credit](https:\/\/www.bankrate.com\/loans\/small-business\/business-line-of-credit\/)\n  - [Small business loan banks](https:\/\/www.bankrate.com\/loans\/small-business\/best-banks-for-small-business-loans\/)\n  \n  Get guidance\n  \n  - 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[Best HELOC lenders](https:\/\/www.bankrate.com\/home-equity\/heloc-lenders\/)\n  - [HELOC calculator](https:\/\/www.bankrate.com\/home-equity\/heloc-calculator\/)\n  - [What is a HELOC?](https:\/\/www.bankrate.com\/home-equity\/what-is-heloc\/)\n  - [Pros and cons of HELOCs](https:\/\/www.bankrate.com\/home-equity\/pros-cons-of-home-equity-lines\/)\n  - [Home equity lender reviews](https:\/\/www.bankrate.com\/home-equity\/reviews\/)\n  \n  - [![](https:\/\/www.bankrate.com\/f\/102997\/1440x1440\/e9e92b7729\/home-equity-heloc-guide-nav-imagery.png\/m\/50x50\/filters:quality\$90\$:format\$webp\$) What is home equity? 8 min read](https:\/\/www.bankrate.com\/home-equity\/what-is-home-equity\/)\n  - [![Home purchase](https:\/\/www.bankrate.com\/f\/102997\/1280x720\/98576f9f53\/home-purchase.jpeg\/m\/50x50\/filters:quality\$90\$:format\$webp\$) How to calculate home equity 6 min read](https:\/\/www.bankrate.com\/home-equity\/how-to-calculate-equity-in-your-home\/)\n  \n  Home equity loans\n  \n  Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.\n  \n  [Home equity loan rates](https:\/\/www.bankrate.com\/home-equity\/home-equity-loan-rates\/)\n  \n  Get guidance\n  \n  - [What is a home equity loan?](https:\/\/www.bankrate.com\/home-equity\/what-is-home-equity-loan\/)\n  - [Home equity loan pros and cons](https:\/\/www.bankrate.com\/home-equity\/pros-cons-home-equity-loan\/)\n  - [Home equity loan requirements](https:\/\/www.bankrate.com\/home-equity\/requirements-to-borrow-from-home-equity\/)\n  - [HELOC vs home equity loan](https:\/\/www.bankrate.com\/home-equity\/home-equity-loan-vs-line-of-credit\/)\n  - [How to build home equity](https:\/\/www.bankrate.com\/home-equity\/how-to-build-equity-in-your-home\/)\n  \n  - [![](https:\/\/www.bankrate.com\/f\/102997\/721x720\/bad3fd8f56\/heloc-lender-reviews-s.jpg\/m\/50x50\/filters:quality\$90\$:format\$webp\$) Best home equity loan lenders Compare top home equity lenders](https:\/\/www.bankrate.com\/home-equity\/home-equity-loan-lenders\/)\n  - [![CD Rates](https:\/\/www.bankrate.com\/f\/102997\/1920x1080\/2654611691\/cd-rates.jpeg\/m\/50x50\/filters:quality\$90\$:format\$webp\$) Home equity calculator Calculate how much you can borrow](https:\/\/www.bankrate.com\/home-equity\/home-equity-calculator\/)\n  \n  [Explore all home equity resources](https:\/\/www.bankrate.com\/home-equity\/)\n- [Insurance](https:\/\/www.bankrate.com\/insurance\/)\n  All\n  \n  Insurance\n  \n  Auto insurance\n  \n  Home insurance\n  \n  Tools & reviews\n  \n  [Explore all insurance resources](https:\/\/www.bankrate.com\/insurance\/)\n  \n  Insurance\n  \n  Compare rates\n  \n  - [Car insurance quotes](https:\/\/www.bankrate.com\/insurance\/car\/car-insurance-quotes\/)\n  - [Best car insurance companies](https:\/\/www.bankrate.com\/insurance\/car\/best-car-insurance-companies\/)\n  - [Cheapest car insurance companies](https:\/\/www.bankrate.com\/insurance\/car\/cheap-car-insurance-companies\/)\n  - [Compare car insurance rates](https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance\/)\n  \n  Popular states\n  \n  - [California](https:\/\/www.bankrate.com\/insurance\/car\/california\/)\n  - [Florida](https:\/\/www.bankrate.com\/insurance\/car\/florida\/)\n  - [Texas](https:\/\/www.bankrate.com\/insurance\/car\/texas\/)\n  - [Ohio](https:\/\/www.bankrate.com\/insurance\/car\/ohio\/)\n  - [Auto insurance by state](https:\/\/www.bankrate.com\/insurance\/car\/states\/)\n  \n  - [![Person smiling while sitting in car](https:\/\/www.bankrate.com\/f\/102997\/1440x1440\/5bfb00cc0b\/auto-insurance-by-state.png\/m\/50x50\/filters:quality\$90\$:format\$webp\$) How much is car insurance? Average cost of car insurance](https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance\/)\n  - [![](https:\/\/www.bankrate.com\/f\/102997\/1440x1440\/20e5cbc3e7\/how-much-is-car-insurance-nav.png\/m\/50x50\/filters:quality\$90\$:format\$webp\$) Car insurance resources Learn more about car insurance](https:\/\/www.bankrate.com\/insurance\/car\/)\n  \n  Compare rates\n  \n  - [Home insurance quotes](https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/home-insurance-quotes\/)\n  - [Best home insurance companies](https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/best-home-insurance-companies\/)\n  - [Cheapest home insurance companies](https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/cheap-homeowners-insurance\/)\n  - [Best home and auto bundles](https:\/\/www.bankrate.com\/insurance\/car-and-home-insurance-bundle\/)\n  \n  Popular states\n  \n  - [California](https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/california\/)\n  - [Florida](https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/florida\/)\n  - [Texas](https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/texas\/)\n  - [New Jersey](https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/new-jersey\/)\n  - [Home insurance by state](https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/states\/)\n  \n  - [![](https:\/\/www.bankrate.com\/f\/102997\/1440x1440\/8af9dfc8a2\/home-insurance-by-state-nav-imagery.png\/m\/50x50\/filters:quality\$90\$:format\$webp\$) Home insurance cost Average cost of home insurance](https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/homeowners-insurance-cost\/)\n  - [![](https:\/\/www.bankrate.com\/f\/102997\/1440x1440\/e85a91b40b\/how-much-is-home-insurance-nav-imagery.png\/m\/50x50\/filters:quality\$90\$:format\$webp\$) Home insurance resources Learn more about home insurance](https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/)\n  \n  Calculators\n  \n  - [Car insurance calculator](https:\/\/www.bankrate.com\/insurance\/car\/car-insurance-calculator\/)\n  - [Home insurance calculator](https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/home-insurance-calculator\/)\n  \n  Get guidance\n  \n  - [Allstate insurance review](https:\/\/www.bankrate.com\/insurance\/reviews\/allstate\/)\n  - [Progressive insurance review](https:\/\/www.bankrate.com\/insurance\/reviews\/progressive\/)\n  - [State Farm insurance review](https:\/\/www.bankrate.com\/insurance\/reviews\/state-farm\/)\n  - [Travelers insurance review](https:\/\/www.bankrate.com\/insurance\/reviews\/travelers\/)\n  - [Lemonade insurance review](https:\/\/www.bankrate.com\/insurance\/reviews\/lemonade\/)\n  \n  - [![Design element two people looking at a car](https:\/\/www.bankrate.com\/f\/102997\/475x270\/8e81cf93f6\/insurance_best_car_insurance_companies.webp\/m\/50x50\/filters:quality\$90\$:format\$webp\$) All insurance company reviews Browse insurance carrier reviews](https:\/\/www.bankrate.com\/insurance\/reviews\/)\n  \n  [Explore all insurance resources](https:\/\/www.bankrate.com\/insurance\/)\n\n[Log in Log in or sign up](https:\/\/www.bankrate.com\/member\/auth\/login?returnTo=https%3A%2F%2Fwww.bankrate.com%2Fauth%2Freturn%3Fpath%3D%252Fretirement%252F401-k-calculator%252F)\n\n**Popular searches**\n\n- [Mortgage rates](https:\/\/www.bankrate.com\/mortgages\/mortgage-rates\/)\n- [Balance transfer credit cards](https:\/\/www.bankrate.com\/credit-cards\/balance-transfer\/best-balance-transfer-cards\/)\n- [Car insurance quotes](https:\/\/www.bankrate.com\/insurance\/car\/car-insurance-quotes\/)\n\n**Tools**\n\n- [Mortgage calculator](https:\/\/www.bankrate.com\/mortgages\/mortgage-calculator\/)\n- [Loan calculator](https:\/\/www.bankrate.com\/loans\/loan-calculator\/)\n- [CD calculator](https:\/\/www.bankrate.com\/banking\/cds\/cd-calculator\/)\n\n1. [Retirement](https:\/\/www.bankrate.com\/retirement\/)\n2. 401k Retirement Calculator\n\nInvesting Disclosure\n\n# 401(k) retirement savings calculator\nA traditional 401(k) can be one of your best tools for building your retirement savings. It provides you with two important advantages. First, all contributions and earnings in your 401(k) are tax-deferred. You pay taxes on the money only when it’s withdrawn from the account. Second, many employers provide matching contributions to your 401(k) account, which is like free money. The amount of the match will vary by employer, but often ranges from 50% to 100% of your contributions, up to a specific percentage of your pay. The combined result is a retirement savings plan you can't afford to pass up.\n\n## 401(k) Retirement Calculator\n### Your estimated retirement\n\\$718,831.77\n\nTotal employee contributions\n\n### \\$140,000.00\n\nTotal employer contributions\n\n### \\$42,000.00\n\n### Chart\nLine chart with 2 lines.\n\nThe chart has 1 X axis displaying categories.\n\nThe chart has 1 Y axis displaying Total Savings. Data ranges from 4000 to 718832.\n\nCreated with Highcharts 10.3.3\n\nTotal Savings\n\nWith employer match\n\nWithout employer match\n\n31\n\n33\n\n35\n\n37\n\n39\n\n41\n\n43\n\n45\n\n47\n\n49\n\n51\n\n53\n\n55\n\n57\n\n59\n\n61\n\n63\n\n65\n\n\\$0\n\n\\$100000\n\n\\$200000\n\n\\$300000\n\n\\$400000\n\n\\$500000\n\n\\$600000\n\n\\$700000\n\n\\$800000\n\nEnd of interactive chart.\n### Popular next steps\nSee what's out there\n\n#### [Best places to roll over your 401(k)](https:\/\/www.bankrate.com\/retirement\/best-places-to-rollover-401k\/)\nBrowse the top brokers to roll over your 401(k) right now.\n\nGet started\n\n#### [401(k) investments to maximize your portfolio](https:\/\/www.bankrate.com\/retirement\/how-to-pick-401k-investments\/)\nLearn how to pick investments in your 401(k) and start saving for retirement today.\n\nGo further\n\n#### [Roth 401(k) vs. 401(k): Which is better for you?](https:\/\/www.bankrate.com\/retirement\/traditional-401k-vs-roth-401k\/)\nCompare the two retirement accounts and decide which one is right for you.\n\n![](https:\/\/navi.cohesionapps.com\/display?write_key=wk_2M3TlVcWbz8i1RTZjLkSmbWfyQC&adId=020949f25b&req=https%3A%2F%2Fwww.bankrate.com%2Fretirement%2F401-k-calculator%2F&ref=)\n\n![](https:\/\/www.bankrate.com\/f\/102997\/264x264\/c0908cb8e0\/pig.png)\n\nLimited spots available\n\n### Help us shape the future of personal finance\nWe’re building something new to make rate shopping smarter and simpler. Join our waitlist to get early access, share your feedback, and unlock exclusive offers.\n\nPriority rate alerts\n\nExclusive member offers\n\nTime saving\n\nEmail address\n\nJoin early access\n\nPlease provide a valid email address\n\nLimited spots remaining\n\nBy proceeding, I agree to Bankrate's [Privacy Policy](https:\/\/www.bankrate.com\/privacy\/)\n***\n\n## 401(k) calculator definitions\n**Annual salary**: This is your annual salary before taxes and other benefit deductions. Since your contribution rate and company match are based on the salary paid to you by your employer, don't include any income you receive from other sources.\n\n**Contribution percentage (and annual contribution limits)**: This is the percentage of your annual salary that you contribute to your 401(k) each year. Most employers allow employees to contribute up to 100% of their salary to a 401(k). But the IRS sets limits on annual 401(k) contributions. The maximum employee contribution is \\$24,500 in 2026, up from \\$23,500 in 2025. Those age 50 or older can make a catch-up contribution of an additional \\$8,000 in 2026, up from \\$7,500 in 2025. But if you're 60, 61, 62 or 63, you're eligible for a catch-up contribution of \\$11,250 in 2026 and in 2025 (this dollar amount is instead of the \\$8,000 extra contribution available to other people age 50+). Employer contributions aren't counted in the employee's maximum annual contribution limit. Read more about [401(k) contribution limits](https:\/\/www.bankrate.com\/retirement\/401k-contributions\/).\n\nEmployees classified as \"highly compensated\" may be subject to contribution limits based on their employer's overall 401(k) participation. If you expect your salary to be \\$160,000 or more, you may need to contact your employer to see if these additional contribution limits apply to you.\n\n**Annual salary increase**: The annual percentage you expect your salary to increase. This calculator assumes that your salary will continue to increase at this rate until you retire.\n\n**Retirement age**: This calculator assumes that in the year you retire, you don't make any more contributions to your 401(k). For example, if you retire at 65, your last contribution occurs when you're 64.\n\n**Annual rate of return**: This calculator assumes that your return is compounded annually and your deposits are made monthly. The actual rate of return is largely dependent on the types of investments you choose in your plan. As an example, the [S\\&P 500](https:\/\/www.bankrate.com\/investing\/what-is-sp-500\/) stock index has returned about 10% over the long term. Still, stock-market returns can be volatile over short time periods. Fixed-income investments such as [bonds](https:\/\/www.bankrate.com\/investing\/how-to-invest-in-bonds\/) are typically less volatile, but generally offer lower returns compared to stocks. Keep in mind that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, and can include the loss of principal.\n\n**Current 401(k) balance**: The starting balance or current amount you have invested or saved in your 401(k).\n\n**Employer match**: An employer match is in addition to your annual contributions (it doesn't count towards the employee's maximum annual contribution), and is based on a percentage of your annual contributions. For example, let's assume an employer matches 50% of the employee's contributions up to 6% of their salary. The employee earns \\$100,000 per year and contributes 10% to the 401(k). The results would be:\n\n- \\$10,000 from the employee\n- \\$3,000 from the employer (which is 50% of \\$6,000, or 6% of the annual salary)\n- Total: \\$13,000\n\nRead the definition for \"employer maximum\" (below) for a detailed description of maximum employer matching contributions. Matching contributions can be subject to a [vesting schedule](https:\/\/www.bankrate.com\/retirement\/what-it-means-to-be-vested\/). See your plan information for details.\n\n**Employer maximum**: This is the maximum percent of your salary matched by your employer regardless of the amount you decide to contribute. For example, let's assume your employer has a 50% match, up to a maximum of 6% of your annual salary. If you have an annual salary of \\$25,000 and contribute 6%, your annual contribution is \\$1,500. With a 50% match, your employer will add \\$750 to your 401(k) account. If you increase your contribution to 10%, your annual contribution is \\$2,500 per year. Your employer match, however, is limited to 50% of the first 6% of your salary and remains \\$750.\n\n## Compare Investments and Savings Accounts\n**[INVESTMENTS](https:\/\/www.bankrate.com\/investing\/)**\n\n- [Best Safe Investments](https:\/\/www.bankrate.com\/investing\/best-investments\/)\n- [Best Brokerage Acct Bonuses](https:\/\/www.bankrate.com\/investing\/best-brokerage-account-bonuses\/)\n- [Best Ways to Invest \\$30K](https:\/\/www.bankrate.com\/investing\/best-ways-to-invest-30000\/)\n- [Best Online Brokers for Stocks](https:\/\/www.bankrate.com\/investing\/best-online-brokers-for-stock-trading\/)\n- [Best Brokers for Low Fees](https:\/\/www.bankrate.com\/investing\/best-online-brokers\/)\n- [Brokerage Accts](https:\/\/www.bankrate.com\/investing\/brokerage-reviews\/)\n- [Robinhood](https:\/\/www.bankrate.com\/investing\/brokerage-reviews\/robinhood\/)\n- [Merrill Edge](https:\/\/www.bankrate.com\/investing\/brokerage-reviews\/merrill-edge\/)\n- [Vanguard](https:\/\/www.bankrate.com\/investing\/brokerage-reviews\/vanguard\/)\n- [Fidelity](https:\/\/www.bankrate.com\/investing\/brokerage-reviews\/fidelity\/)\n\n**[SAVINGS AND CD RATES](https:\/\/www.bankrate.com\/banking\/)**\n\n- [CD Rates](https:\/\/www.bankrate.com\/banking\/cds\/cd-rates\/)\n- [Savings Rates](https:\/\/www.bankrate.com\/banking\/savings\/rates\/)\n- [Money Market Rates](https:\/\/www.bankrate.com\/banking\/money-market\/rates\/)\n\n## [Bankrate logo](https:\/\/www.bankrate.com\/)\n### About\n- [About us](https:\/\/www.bankrate.com\/about\/)\n- [Leadership](https:\/\/www.bankrate.com\/leadership\/)\n- [Press room](https:\/\/www.bankrate.com\/press-releases\/)\n- [Bankrate Data Center](https:\/\/www.bankrate.com\/data-center\/)\n- [Careers](https:\/\/www.bankrate.com\/careers\/)\n- [Site map](https:\/\/www.bankrate.com\/corporate\/site-map\/)\n\n### Help\n- [Compare rates](https:\/\/www.bankrate.com\/compare-rates\/)\n- [Latest news](https:\/\/www.bankrate.com\/news\/)\n- [Popular topics](https:\/\/www.bankrate.com\/popular-finance-topics\/)\n- [Advertise with us](https:\/\/www.bankrate.com\/media-kit\/)\n\n### Legal\n- [Privacy policy](https:\/\/www.bankrate.com\/privacy\/)\n- Cookie settings\n- [Do Not Sell or Share My Personal Information](https:\/\/www.bankrate.com\/do-not-sell-or-share-my-personal-information\/)\n- [Consumer Health Information Privacy Policy](https:\/\/www.bankrate.com\/consumer-health-information-privacy-policy\/)\n- [Understanding Bankrate’s averages](https:\/\/www.bankrate.com\/understanding-bankrates-rate-averages\/)\n- [Terms of use](https:\/\/www.bankrate.com\/terms\/)\n- [GLBA annual notice](https:\/\/www.bankrate.com\/glba-notice\/)\n- [California Consumer Financial Privacy Notice](https:\/\/www.bankrate.com\/2022\/02\/15094901\/california-notice.pdf)\n- [Licenses](https:\/\/www.bankrate.com\/licenses\/)\n\n### How we make money\nBankrate.com is an independent, advertising-supported publisher and comparison service. Our websites may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. Therefore, this compensation may impact what products appear and how, where, and in what order they appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.\n\nBankrate, LLC NMLS ID\\# 1427381 \\| [NMLS Consumer Access](http:\/\/www.nmlsconsumeraccess.org\/EntityDetails.aspx\/COMPANY\/1427381)  \n BR Tech Services, Inc. NMLS ID \\#1743443 \\| [NMLS Consumer Access](http:\/\/www.nmlsconsumeraccess.org\/EntityDetails.aspx\/COMPANY\/1743443)\n\n© 2026 Bankrate, LLC. A Red Ventures company. All Rights Reserved.\n\n#### Investing Disclosure\nThe investment information provided in this table is for informational and general educational purposes only and should not be construed as investment or financial advice. Bankrate does not offer advisory or brokerage services, nor does it provide individualized recommendations or personalized investment advice. Investment decisions should be based on an evaluation of your own personal financial situation, needs, risk tolerance and investment objectives. Investing involves risk including the potential loss of principal.\n\nSaving your calculation is coming soon\n\nWe're building a new way to keep you ahead of rate changes and make the most of our financial calculators.\n\nSave calculator inputs and results for later\n\nGet notified when rates change for your scenario\n\nCompare multiple mortgage scenarios side by side\n\nClose\n\nSaving your calculation is coming soon\n\nWe're building a new way to keep you ahead of rate changes and make the most of our financial calculators.\n\nSave calculator inputs and results for later\n\nGet notified when rates change for your scenario\n\nCompare multiple mortgage scenarios side by side\n\n[Log in or create a free account](https:\/\/www.bankrate.com\/member\/auth\/login?returnTo=https%3A%2F%2Fwww.bankrate.com%2Fauth%2Freturn%3Fpath%3D%252Fretirement%252F401-k-calculator%252F)\n\nMaybe later\n\n![](https:\/\/www.facebook.com\/tr?id=1805085980359671&ev=PageView&noscript=1)\n\n![](https:\/\/www.facebook.com\/tr?id=1564326531369118&ev=PageView&noscript=1)","attrs_readable_markdown":"## 401(k) calculator definitions\n**Annual salary**: This is your annual salary before taxes and other benefit deductions. Since your contribution rate and company match are based on the salary paid to you by your employer, don't include any income you receive from other sources.\n\n**Contribution percentage (and annual contribution limits)**: This is the percentage of your annual salary that you contribute to your 401(k) each year. Most employers allow employees to contribute up to 100% of their salary to a 401(k). But the IRS sets limits on annual 401(k) contributions. The maximum employee contribution is \\$24,500 in 2026, up from \\$23,500 in 2025. Those age 50 or older can make a catch-up contribution of an additional \\$8,000 in 2026, up from \\$7,500 in 2025. But if you're 60, 61, 62 or 63, you're eligible for a catch-up contribution of \\$11,250 in 2026 and in 2025 (this dollar amount is instead of the \\$8,000 extra contribution available to other people age 50+). Employer contributions aren't counted in the employee's maximum annual contribution limit. Read more about [401(k) contribution limits](https:\/\/www.bankrate.com\/retirement\/401k-contributions\/).\n\nEmployees classified as \"highly compensated\" may be subject to contribution limits based on their employer's overall 401(k) participation. If you expect your salary to be \\$160,000 or more, you may need to contact your employer to see if these additional contribution limits apply to you.\n\n**Annual salary increase**: The annual percentage you expect your salary to increase. This calculator assumes that your salary will continue to increase at this rate until you retire.\n\n**Retirement age**: This calculator assumes that in the year you retire, you don't make any more contributions to your 401(k). For example, if you retire at 65, your last contribution occurs when you're 64.\n\n**Annual rate of return**: This calculator assumes that your return is compounded annually and your deposits are made monthly. The actual rate of return is largely dependent on the types of investments you choose in your plan. As an example, the [S\\&P 500](https:\/\/www.bankrate.com\/investing\/what-is-sp-500\/) stock index has returned about 10% over the long term. Still, stock-market returns can be volatile over short time periods. Fixed-income investments such as [bonds](https:\/\/www.bankrate.com\/investing\/how-to-invest-in-bonds\/) are typically less volatile, but generally offer lower returns compared to stocks. Keep in mind that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, and can include the loss of principal.\n\n**Current 401(k) balance**: The starting balance or current amount you have invested or saved in your 401(k).\n\n**Employer match**: An employer match is in addition to your annual contributions (it doesn't count towards the employee's maximum annual contribution), and is based on a percentage of your annual contributions. For example, let's assume an employer matches 50% of the employee's contributions up to 6% of their salary. The employee earns \\$100,000 per year and contributes 10% to the 401(k). The results would be:\n\n- \\$10,000 from the employee\n- \\$3,000 from the employer (which is 50% of \\$6,000, or 6% of the annual salary)\n- Total: \\$13,000\n\nRead the definition for \"employer maximum\" (below) for a detailed description of maximum employer matching contributions. Matching contributions can be subject to a [vesting schedule](https:\/\/www.bankrate.com\/retirement\/what-it-means-to-be-vested\/). See your plan information for details.\n\n**Employer maximum**: This is the maximum percent of your salary matched by your employer regardless of the amount you decide to contribute. For example, let's assume your employer has a 50% match, up to a maximum of 6% of your annual salary. If you have an annual salary of \\$25,000 and contribute 6%, your annual contribution is \\$1,500. With a 50% match, your employer will add \\$750 to your 401(k) account. If you increase your contribution to 10%, your annual contribution is \\$2,500 per year. Your employer match, however, is limited to 50% of the first 6% of your salary and remains \\$750.","meta_canonical":null}

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URL	https://www.bankrate.com/retirement/401-k-calculator/
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Meta Title	401(k) Calculator \| Bankrate
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Boilerpipe Text	401(k) calculator definitions Annual salary : This is your annual salary before taxes and other benefit deductions. Since your contribution rate and company match are based on the salary paid to you by your employer, don't include any income you receive from other sources. Contribution percentage (and annual contribution limits) : This is the percentage of your annual salary that you contribute to your 401(k) each year. Most employers allow employees to contribute up to 100% of their salary to a 401(k). But the IRS sets limits on annual 401(k) contributions. The maximum employee contribution is $24,500 in 2026, up from $23,500 in 2025. Those age 50 or older can make a catch-up contribution of an additional $8,000 in 2026, up from $7,500 in 2025. But if you're 60, 61, 62 or 63, you're eligible for a catch-up contribution of $11,250 in 2026 and in 2025 (this dollar amount is instead of the $8,000 extra contribution available to other people age 50+). Employer contributions aren't counted in the employee's maximum annual contribution limit. Read more about 401(k) contribution limits . Employees classified as "highly compensated" may be subject to contribution limits based on their employer's overall 401(k) participation. If you expect your salary to be $160,000 or more, you may need to contact your employer to see if these additional contribution limits apply to you. Annual salary increase : The annual percentage you expect your salary to increase. This calculator assumes that your salary will continue to increase at this rate until you retire. Retirement age : This calculator assumes that in the year you retire, you don't make any more contributions to your 401(k). For example, if you retire at 65, your last contribution occurs when you're 64. Annual rate of return : This calculator assumes that your return is compounded annually and your deposits are made monthly. The actual rate of return is largely dependent on the types of investments you choose in your plan. As an example, the S&P 500 stock index has returned about 10% over the long term. Still, stock-market returns can be volatile over short time periods. Fixed-income investments such as bonds are typically less volatile, but generally offer lower returns compared to stocks. Keep in mind that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, and can include the loss of principal. Current 401(k) balance : The starting balance or current amount you have invested or saved in your 401(k). Employer match : An employer match is in addition to your annual contributions (it doesn't count towards the employee's maximum annual contribution), and is based on a percentage of your annual contributions. For example, let's assume an employer matches 50% of the employee's contributions up to 6% of their salary. The employee earns $100,000 per year and contributes 10% to the 401(k). The results would be: $10,000 from the employee $3,000 from the employer (which is 50% of $6,000, or 6% of the annual salary) Total: $13,000 Read the definition for "employer maximum" (below) for a detailed description of maximum employer matching contributions. Matching contributions can be subject to a vesting schedule . See your plan information for details. Employer maximum : This is the maximum percent of your salary matched by your employer regardless of the amount you decide to contribute. For example, let's assume your employer has a 50% match, up to a maximum of 6% of your annual salary. If you have an annual salary of $25,000 and contribute 6%, your annual contribution is $1,500. With a 50% match, your employer will add $750 to your 401(k) account. If you increase your contribution to 10%, your annual contribution is $2,500 per year. Your employer match, however, is limited to 50% of the first 6% of your salary and remains $750.
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[Retirement](https://www.bankrate.com/retirement/) 2. 401k Retirement Calculator Investing Disclosure # 401(k) retirement savings calculator A traditional 401(k) can be one of your best tools for building your retirement savings. It provides you with two important advantages. First, all contributions and earnings in your 401(k) are tax-deferred. You pay taxes on the money only when it’s withdrawn from the account. Second, many employers provide matching contributions to your 401(k) account, which is like free money. The amount of the match will vary by employer, but often ranges from 50% to 100% of your contributions, up to a specific percentage of your pay. The combined result is a retirement savings plan you can't afford to pass up. ## 401(k) Retirement Calculator ### Your estimated retirement \$718,831.77 Total employee contributions ### \$140,000.00 Total employer contributions ### \$42,000.00 ### Chart Line chart with 2 lines. The chart has 1 X axis displaying categories. The chart has 1 Y axis displaying Total Savings. Data ranges from 4000 to 718832. Created with Highcharts 10.3.3 Total Savings With employer match Without employer match 31 33 35 37 39 41 43 45 47 49 51 53 55 57 59 61 63 65 \$0 \$100000 \$200000 \$300000 \$400000 \$500000 \$600000 \$700000 \$800000 End of interactive chart. ### Popular next steps See what's out there #### [Best places to roll over your 401(k)](https://www.bankrate.com/retirement/best-places-to-rollover-401k/) Browse the top brokers to roll over your 401(k) right now. Get started #### [401(k) investments to maximize your portfolio](https://www.bankrate.com/retirement/how-to-pick-401k-investments/) Learn how to pick investments in your 401(k) and start saving for retirement today. Go further #### [Roth 401(k) vs. 401(k): Which is better for you?](https://www.bankrate.com/retirement/traditional-401k-vs-roth-401k/) Compare the two retirement accounts and decide which one is right for you. ![](https://navi.cohesionapps.com/display?write_key=wk_2M3TlVcWbz8i1RTZjLkSmbWfyQC&adId=020949f25b&req=https%3A%2F%2Fwww.bankrate.com%2Fretirement%2F401-k-calculator%2F&ref=) ![](https://www.bankrate.com/f/102997/264x264/c0908cb8e0/pig.png) Limited spots available ### Help us shape the future of personal finance We’re building something new to make rate shopping smarter and simpler. Join our waitlist to get early access, share your feedback, and unlock exclusive offers. Priority rate alerts Exclusive member offers Time saving Email address Join early access Please provide a valid email address Limited spots remaining By proceeding, I agree to Bankrate's [Privacy Policy](https://www.bankrate.com/privacy/) * ## 401(k) calculator definitions Annual salary: This is your annual salary before taxes and other benefit deductions. Since your contribution rate and company match are based on the salary paid to you by your employer, don't include any income you receive from other sources. Contribution percentage (and annual contribution limits): This is the percentage of your annual salary that you contribute to your 401(k) each year. Most employers allow employees to contribute up to 100% of their salary to a 401(k). But the IRS sets limits on annual 401(k) contributions. The maximum employee contribution is \$24,500 in 2026, up from \$23,500 in 2025. Those age 50 or older can make a catch-up contribution of an additional \$8,000 in 2026, up from \$7,500 in 2025. But if you're 60, 61, 62 or 63, you're eligible for a catch-up contribution of \$11,250 in 2026 and in 2025 (this dollar amount is instead of the \$8,000 extra contribution available to other people age 50+). Employer contributions aren't counted in the employee's maximum annual contribution limit. Read more about [401(k) contribution limits](https://www.bankrate.com/retirement/401k-contributions/). Employees classified as "highly compensated" may be subject to contribution limits based on their employer's overall 401(k) participation. If you expect your salary to be \$160,000 or more, you may need to contact your employer to see if these additional contribution limits apply to you. Annual salary increase: The annual percentage you expect your salary to increase. This calculator assumes that your salary will continue to increase at this rate until you retire. Retirement age: This calculator assumes that in the year you retire, you don't make any more contributions to your 401(k). For example, if you retire at 65, your last contribution occurs when you're 64. Annual rate of return: This calculator assumes that your return is compounded annually and your deposits are made monthly. The actual rate of return is largely dependent on the types of investments you choose in your plan. As an example, the [S\&P 500](https://www.bankrate.com/investing/what-is-sp-500/) stock index has returned about 10% over the long term. Still, stock-market returns can be volatile over short time periods. Fixed-income investments such as [bonds](https://www.bankrate.com/investing/how-to-invest-in-bonds/) are typically less volatile, but generally offer lower returns compared to stocks. Keep in mind that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, and can include the loss of principal. Current 401(k) balance: The starting balance or current amount you have invested or saved in your 401(k). Employer match: An employer match is in addition to your annual contributions (it doesn't count towards the employee's maximum annual contribution), and is based on a percentage of your annual contributions. For example, let's assume an employer matches 50% of the employee's contributions up to 6% of their salary. The employee earns \$100,000 per year and contributes 10% to the 401(k). The results would be: - \$10,000 from the employee - \$3,000 from the employer (which is 50% of \$6,000, or 6% of the annual salary) - Total: \$13,000 Read the definition for "employer maximum" (below) for a detailed description of maximum employer matching contributions. Matching contributions can be subject to a [vesting schedule](https://www.bankrate.com/retirement/what-it-means-to-be-vested/). See your plan information for details. Employer maximum: This is the maximum percent of your salary matched by your employer regardless of the amount you decide to contribute. For example, let's assume your employer has a 50% match, up to a maximum of 6% of your annual salary. If you have an annual salary of \$25,000 and contribute 6%, your annual contribution is \$1,500. With a 50% match, your employer will add \$750 to your 401(k) account. If you increase your contribution to 10%, your annual contribution is \$2,500 per year. 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Readable Markdown	## 401(k) calculator definitions Annual salary: This is your annual salary before taxes and other benefit deductions. Since your contribution rate and company match are based on the salary paid to you by your employer, don't include any income you receive from other sources. Contribution percentage (and annual contribution limits): This is the percentage of your annual salary that you contribute to your 401(k) each year. Most employers allow employees to contribute up to 100% of their salary to a 401(k). But the IRS sets limits on annual 401(k) contributions. The maximum employee contribution is \$24,500 in 2026, up from \$23,500 in 2025. Those age 50 or older can make a catch-up contribution of an additional \$8,000 in 2026, up from \$7,500 in 2025. But if you're 60, 61, 62 or 63, you're eligible for a catch-up contribution of \$11,250 in 2026 and in 2025 (this dollar amount is instead of the \$8,000 extra contribution available to other people age 50+). Employer contributions aren't counted in the employee's maximum annual contribution limit. Read more about [401(k) contribution limits](https://www.bankrate.com/retirement/401k-contributions/). Employees classified as "highly compensated" may be subject to contribution limits based on their employer's overall 401(k) participation. If you expect your salary to be \$160,000 or more, you may need to contact your employer to see if these additional contribution limits apply to you. Annual salary increase: The annual percentage you expect your salary to increase. This calculator assumes that your salary will continue to increase at this rate until you retire. Retirement age: This calculator assumes that in the year you retire, you don't make any more contributions to your 401(k). For example, if you retire at 65, your last contribution occurs when you're 64. Annual rate of return: This calculator assumes that your return is compounded annually and your deposits are made monthly. The actual rate of return is largely dependent on the types of investments you choose in your plan. As an example, the [S\&P 500](https://www.bankrate.com/investing/what-is-sp-500/) stock index has returned about 10% over the long term. Still, stock-market returns can be volatile over short time periods. Fixed-income investments such as [bonds](https://www.bankrate.com/investing/how-to-invest-in-bonds/) are typically less volatile, but generally offer lower returns compared to stocks. Keep in mind that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, and can include the loss of principal. Current 401(k) balance: The starting balance or current amount you have invested or saved in your 401(k). Employer match: An employer match is in addition to your annual contributions (it doesn't count towards the employee's maximum annual contribution), and is based on a percentage of your annual contributions. For example, let's assume an employer matches 50% of the employee's contributions up to 6% of their salary. The employee earns \$100,000 per year and contributes 10% to the 401(k). The results would be: - \$10,000 from the employee - \$3,000 from the employer (which is 50% of \$6,000, or 6% of the annual salary) - Total: \$13,000 Read the definition for "employer maximum" (below) for a detailed description of maximum employer matching contributions. Matching contributions can be subject to a [vesting schedule](https://www.bankrate.com/retirement/what-it-means-to-be-vested/). See your plan information for details. Employer maximum: This is the maximum percent of your salary matched by your employer regardless of the amount you decide to contribute. For example, let's assume your employer has a 50% match, up to a maximum of 6% of your annual salary. If you have an annual salary of \$25,000 and contribute 6%, your annual contribution is \$1,500. With a 50% match, your employer will add \$750 to your 401(k) account. If you increase your contribution to 10%, your annual contribution is \$2,500 per year. Your employer match, however, is limited to 50% of the first 6% of your salary and remains \$750.
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