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Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 93 (from laksa120)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa093.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.fidelity.com/learning-center/smart-money/how-much-should-i-contribute-to-my-401k\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.fidelity.com/learning-center/smart-money/how-much-should-i-contribute-to-my-401k\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.fidelity.com\/learning-center\/smart-money\/how-much-should-i-contribute-to-my-401k","crawl_time":1775928097,"first_indexed_time":1702440681,"http_code":200,"src_unparsed":"com,fidelity!www,\/learning-center\/smart-money\/how-much-should-i-contribute-to-my-401k s443","src_root_hash":"17952695050214760493","history_drop_reason":null,"meta_title":"How much should I contribute to my 401(k)? | Fidelity","meta_descriptions":["Figuring out how much to save in your 401(k) can be complicated. Here’s our guidelines on 401(k) contributions."],"attrs_boilerpipe_text":"Our annual guideline is to save at least 15% for retirement.\nKey takeaways\nMany companies offer 401(k) plans to encourage employees to save for retirement. Some even match contributions you make yourself.\nAim to save at least 15% of your pretax income each year for retirement (including employer contributions). This can be in a 401(k) or another retirement account.\nContributing early can help you get the most out of your 401(K).\nYou probably already know: Retirement is expensive. Luckily, there are retirement accounts, such as the 401(k), you may have access to as an employer benefit, that can help you save for retirement—and get a tax break at the same time.\nBut how much should you contribute to your 401(k)? If retirement is years or even decades away, it can be hard to figure out what you may need. Although everyone's financial situation is unique, here are some general guidelines to consider when figuring out how much to contribute to your 401(k).\nHow much should you contribute to your 401(k)?\nFidelity's guideline is to work up to saving 15% of your pretax income each year for retirement, including any employer contributions. The 15% retirement savings goal can also include contributions you make to an \nIRA\n.\nIf your employer helps you save for retirement, they might do so by contributing a set amount or percentage of your salary no matter what you contribute to your 401(k). They may also help you save by contributing what's called a 401(k) match. That's when your company contributes only when you do. Generally, companies use a formula like putting in 50 cents or $1 for every dollar you do, up to a certain percentage of your salary. If your employer offers a\n401(k) match\n, it's a smart idea to prioritize saving at least enough in your 401(k) to get that full amount.\nPay attention to vesting requirements. For example, your employer may stipulate that you remain an employee for a set period of time before any or all of the 401(k) match becomes yours. If you change jobs before the end of the vesting period, you won't get to walk away with all of your employer's contributions in your 401(k).\nWhy 15%?\nThis guideline is based on research finding that\nmost people need between 55% to 80% of their preretirement income\nto finance their lifestyle in retirement. Not all of it needs to come from your savings; some may come from Social Security. That, combined with saving 15% each year from age 25 to 67 should help you reach that level of income replacement.\nOf course, that 15% retirement savings goal may vary based on your financial situation and depends on some key choices you make before retirement, such as when you start saving and when you plan to retire. Those who start saving for retirement earlier, for example, may be able to save less, while those who start later may need to save more each year to catch up.\nYou also may be able to save less than 15% each year if you know you'll have other retirement income sources, like a pension. If you anticipate having a higher or lower standard of living in retirement, you may need to save more—or less. Figuring out the right amount to save for retirement can get complicated as situations become more complex. You may want to meet with a financial professional to figure out how much you personally should be saving for retirement overall and in your 401(k).\nGet an estimate of where you stand for retirement using the\nFidelity Retirement Score\nSM\nHow much can you contribute to your 401(k)?\nEvery year the IRS sets the max that you and your employer can contribute to your 401(k). In 2025, the\n401(k) contribution limit\nfor employees is $23,500. In 2026, this goes up to $24,500. If you're at least 50 at the end of the calendar year, you can add a catch-up contribution of up to $7,500 in 2025 and up to $8,000 in 2026. However, if you're between 60 and 63 in either year, you may be able to contribute even more—up to $11,250—as a \"super\" catch-up contribution if your plan allows it. Check with your plan sponsor to see whether this \"super\" catch-up contribution is available to you. Note that this larger catch-up is in lieu of the standard catch-up contribution for the year. Regardless of age, your 401(k) contributions cannot exceed your annual compensation at the company that holds your plan.\nIn addition to your individual employee contributions, there is a combined limit that you and your employer can contribute to a 401(k). For 2025, this amount is $70,000. For 2026, it increases to $72,000.\nIf you'd like to save more for retirement than you can contribute to your 401(k) this year, consider contributing to an\nIRA\n.\nWhat happens if you contribute too much to your 401(k)?\nThere are usually controls in place to keep you from contributing too much to a company retirement plan. But if you've changed jobs this year or have access to multiple workplace plans, you'll want to stay on top of how much you save in a 401(k) each year. Contributing too much can lead to paying additional tax.\nIf you overcontribute, you may request excess contributions (and anything they earned) be returned by Tax Day each year. You should also receive a modified W-2 that reflects that additional income.\nHow to get the most out of your 401(K)\nConsider these 3 steps to help you save more (and smarter) for retirement.\n1. Contribute early.\nIf you start saving in your 401(k) early on and keep that money invested over the long term, you could benefit from compound returns, which is when your investment returns earn returns of their own. Compound returns can potentially help your savings grow exponentially—helpful when saving for a major goal like retirement.\n2. Start small if you have to, and go for the match.\nSaving 15% of your pretax salary can seem intimidating when you're first getting started with saving for retirement. But starting to contribute even small amounts as soon as you're able has the potential to add up in the long run. And it can help to establish a good habit. If your company offers a match, aim to contribute at least enough each year to get the full amount offered. Every dollar your company saves for you is one you don't have to save for yourself.\n3. Keep track of your 401(k)s.\nIt's not uncommon for people to lose track of their retirement plans over time, especially if you work for multiple employers during your career. Keep a record of your retirement accounts to make sure you're not accidentally leaving any savings behind. And remember\nthat you have options for how to handle your old 401(k)s.","attrs_markdown":"[Skip to main content](https:\/\/www.fidelity.com\/learning-center\/smart-money\/how-much-should-i-contribute-to-my-401k#navSkipToContent)\n\n[Fidelity.com Home](https:\/\/www.fidelity.com\/)\n\n[Log in](https:\/\/digital.fidelity.com\/prgw\/digital\/login\/full-page)\n\n- [Accounts & Trade]()\n  - [Portfolio](https:\/\/digital.fidelity.com\/prgw\/digital\/login\/full-page?AuthRedUrl=https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/summary)\n  - [Account Positions](https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/positions)\n  - [Trade](https:\/\/digital.fidelity.com\/ftgw\/digital\/trade-equity\/index\/orderEntry)\n  - [Fidelity Trader+ Web](https:\/\/digital.fidelity.com\/ftgw\/digital\/trader-dashboard)\n  - [Fidelity Trader+](https:\/\/www.fidelity.com\/trading\/trading-platforms)\n  - [Transfers](https:\/\/www.fidelity.com\/customer-service\/money-movement)\n  - [Cash Management](https:\/\/digital.fidelity.com\/ftgw\/digital\/cashmanagement)\n  - 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[Making charitable donations](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/charitable-giving\/making-charitable-donations \"Making charitable donations\")\n  - Life events\n    - [Changing jobs](https:\/\/www.fidelity.com\/learning-center\/life-events\/career-planning \"Changing jobs\")\n    - [Planning for college](https:\/\/www.fidelity.com\/learning-center\/life-events\/prepare-for-college \"Planning for college\")\n    - [Getting divorced](https:\/\/www.fidelity.com\/learning-center\/life-events\/getting-divorced \"Getting divorced\")\n    - [Becoming a parent](https:\/\/www.fidelity.com\/learning-center\/life-events\/parenting \"Becoming a parent\")\n    - [Caring for aging loved ones](https:\/\/www.fidelity.com\/learning-center\/life-events\/caring-for-the-aging \"Caring for aging loved ones\")\n    - [Marriage and partnering](https:\/\/www.fidelity.com\/learning-center\/life-events\/marriage \"Marriage and partnering\")\n    - [Buying or selling a house](https:\/\/www.fidelity.com\/learning-center\/life-events\/selling-and-buying-house \"Buying or selling a house\")\n    - 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[Using technical analysis](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/technical-analysis\/using-technical-analysis \"Using technical analysis\")\n  - Investment products\n    - [ETFs](https:\/\/www.fidelity.com\/learning-center\/investment-products\/etf\/etfs \"ETFs\")\n    - [Mutual funds](https:\/\/www.fidelity.com\/learning-center\/investment-products\/mutual-funds\/mutual-funds \"Mutual funds \")\n    - [Stocks](https:\/\/www.fidelity.com\/learning-center\/investment-products\/stocks\/stocks \"Stocks\")\n    - [Fixed income, bonds, CDs](https:\/\/www.fidelity.com\/learning-center\/investment-products\/fixed-income-bonds\/fixed-income-bonds-cds \"Fixed income, bonds, CDs\")\n    - [Annuities](https:\/\/www.fidelity.com\/learning-center\/investment-products\/annuities \"Annuities\")\n    - [Closed-end funds](https:\/\/www.fidelity.com\/learning-center\/investment-products\/closed-end-funds\/closed-end-funds \"Closed-end funds\")\n  - Advanced trading\n    - [Using margin](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/using-margin \"Using margin\")\n    - [Options trading basics](https:\/\/www.fidelity.com\/learning-center\/investment-products\/options\/options-for-beginners \"Options trading basics\")\n    - [Options: Beyond the basics](https:\/\/www.fidelity.com\/learning-center\/investment-products\/options\/options \"Options: Beyond the basics\")\n    - [Advanced trading strategies](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/more-trading-strategies \"Advanced trading strategies\")\n    - [Using Fidelity Trader+](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/trading-platforms\/using-trader-plus \"Using Fidelity Trader+\")\n    - [Options Strategy Guide](https:\/\/www.fidelity.com\/learning-center\/investment-products\/options\/options-strategy-guide\/overview \"Options Strategy Guide\")\n    - [Technical Indicator Guide](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/technical-analysis\/technical-indicator-guide\/overview \"Technical Indicator Guide\")\n  - [Latest Market Insights](https:\/\/www.fidelity.com\/viewpoints\/market-and-economic-insights\/market-volatility-overview \"Latest Market Insights\")\n  - [Viewpoints: Expert insights](https:\/\/www.fidelity.com\/learning-center\/viewpoints \"Viewpoints: Expert insights\")\n  - [Smart Money: Tips and tactics](https:\/\/www.fidelity.com\/learning-center\/smart-money \"Smart Money: Tips and tactics\")\n  - [Money Unscripted](https:\/\/www.fidelity.com\/learning-center\/money-unscripted \"Money Unscripted\")\n  - [The Trading Post](https:\/\/www.fidelity.com\/learning-center\/trading-post \"The Trading Post\")\n  - [Women Talk Money](https:\/\/www.fidelity.com\/learning-center\/women-talk-money \"Women Talk Money\")\n  - [Wealth Management Insights](https:\/\/www.fidelity.com\/learning-center\/wealth-management-insights \"Wealth Management Insights\")\n- Events\n  - [Upcoming events](https:\/\/fidelityevents.com\/allevents\/special \"Upcoming events\")\n  - [On-demand webinars](https:\/\/www.fidelity.com\/learning-center\/events\/investing-webinars \"On-demand webinars\")\n  - [Market briefings](https:\/\/fidelityevents.com\/allevents\/filtered?hubFilter=tags|Coaching,Market%20Analysis#hub \"Market briefings\")\n  - [Market Sense](https:\/\/www.fidelity.com\/learning-center\/live-pi \"Market Sense\")\n  - [Trading Strategy Desk® coaching](https:\/\/www.fidelity.com\/learning-center\/events\/coaching-sessions \"Trading Strategy Desk® coaching\")\n  - [Trading Strategy Desk® classes](https:\/\/www.fidelity.com\/learning-center\/events\/virtual-classrooms \"Trading Strategy Desk® classes\")\n- Search\n\nDecember 19, 2025\n\n![Estimate Time](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/time-clock-circle.svg)5 min\n\nSave ![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/Bookmark.svg) ![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/save-success.svg)\n\nClose Popover\n\n***\nGreat, you have saved this article to you My Learn Profile page.\n\nShare ![Share](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/share.svg)\n\nClose Popover\n\n***\nHow much should I contribute to my 401(k)? \\| Fidelity\n\nClicking a link will open a new window.\n\n- [Facebook](https:\/\/www.fidelity.com\/learning-center\/smart-money\/how-much-should-i-contribute-to-my-401k#facebook)\n- [Twitter](https:\/\/www.fidelity.com\/learning-center\/smart-money\/how-much-should-i-contribute-to-my-401k#twitter)\n- [LinkedIn](https:\/\/www.fidelity.com\/learning-center\/smart-money\/how-much-should-i-contribute-to-my-401k#linkedin)\n\n[Print ![Print](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/Print.svg)](https:\/\/www.fidelity.com\/learning-center\/smart-money\/how-much-should-i-contribute-to-my-401k#print)\n\n# How much should I contribute to my 401(k)?\nOur annual guideline is to save at least 15% for retirement.\n\nFidelity Viewpoints\n\n![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/learning-center\/heros\/how-much-should-i-contribute-to-my-401k_499723711_banner.png)\n\n### Key takeaways\n- Many companies offer 401(k) plans to encourage employees to save for retirement. Some even match contributions you make yourself.\n- Aim to save at least 15% of your pretax income each year for retirement (including employer contributions). This can be in a 401(k) or another retirement account.\n- Contributing early can help you get the most out of your 401(K).\n\nYou probably already know: Retirement is expensive. Luckily, there are retirement accounts, such as the 401(k), you may have access to as an employer benefit, that can help you save for retirement—and get a tax break at the same time.\n\nBut how much should you contribute to your 401(k)? If retirement is years or even decades away, it can be hard to figure out what you may need. Although everyone's financial situation is unique, here are some general guidelines to consider when figuring out how much to contribute to your 401(k).\n\n### How much should you contribute to your 401(k)?\nFidelity's guideline is to work up to saving 15% of your pretax income each year for retirement, including any employer contributions. The 15% retirement savings goal can also include contributions you make to an [IRA](https:\/\/www.fidelity.com\/learning-center\/smart-money\/what-is-an-ira \"individual retirement account (IRA)\").\n\nIf your employer helps you save for retirement, they might do so by contributing a set amount or percentage of your salary no matter what you contribute to your 401(k). They may also help you save by contributing what's called a 401(k) match. That's when your company contributes only when you do. Generally, companies use a formula like putting in 50 cents or \\$1 for every dollar you do, up to a certain percentage of your salary. If your employer offers a [401(k) match](https:\/\/www.fidelity.com\/learning-center\/smart-money\/average-401k-match \"401(k) match\"), it's a smart idea to prioritize saving at least enough in your 401(k) to get that full amount.\n\nPay attention to vesting requirements. For example, your employer may stipulate that you remain an employee for a set period of time before any or all of the 401(k) match becomes yours. If you change jobs before the end of the vesting period, you won't get to walk away with all of your employer's contributions in your 401(k).\n\n### Why 15%?\nThis guideline is based on research finding that [most people need between 55% to 80% of their preretirement income](http:\/\/www.fidelity.com\/viewpoints\/retirement\/retirement-income-sources \"most people need between 55% to 80% of their preretirement income\") to finance their lifestyle in retirement. Not all of it needs to come from your savings; some may come from Social Security. That, combined with saving 15% each year from age 25 to 67 should help you reach that level of income replacement.\n\nOf course, that 15% retirement savings goal may vary based on your financial situation and depends on some key choices you make before retirement, such as when you start saving and when you plan to retire. Those who start saving for retirement earlier, for example, may be able to save less, while those who start later may need to save more each year to catch up.\n\nYou also may be able to save less than 15% each year if you know you'll have other retirement income sources, like a pension. If you anticipate having a higher or lower standard of living in retirement, you may need to save more—or less. Figuring out the right amount to save for retirement can get complicated as situations become more complex. You may want to meet with a financial professional to figure out how much you personally should be saving for retirement overall and in your 401(k).\n\n*Get an estimate of where you stand for retirement using the* [Fidelity Retirement ScoreSM](https:\/\/www.fidelity.com\/calculators-tools\/fidelity-retirement-score-tool \"Fidelity Retirement ScoreSM\")\n\n### How much can you contribute to your 401(k)?\nEvery year the IRS sets the max that you and your employer can contribute to your 401(k). In 2025, the [401(k) contribution limit](https:\/\/www.fidelity.com\/learning-center\/smart-money\/401k-contribution-limits) for employees is \\$23,500. In 2026, this goes up to \\$24,500. If you're at least 50 at the end of the calendar year, you can add a catch-up contribution of up to \\$7,500 in 2025 and up to \\$8,000 in 2026. However, if you're between 60 and 63 in either year, you may be able to contribute even more—up to \\$11,250—as a \"super\" catch-up contribution if your plan allows it. Check with your plan sponsor to see whether this \"super\" catch-up contribution is available to you. Note that this larger catch-up is in lieu of the standard catch-up contribution for the year. Regardless of age, your 401(k) contributions cannot exceed your annual compensation at the company that holds your plan.\n\nIn addition to your individual employee contributions, there is a combined limit that you and your employer can contribute to a 401(k). For 2025, this amount is \\$70,000. For 2026, it increases to \\$72,000.\n\nIf you'd like to save more for retirement than you can contribute to your 401(k) this year, consider contributing to an [IRA](https:\/\/www.fidelity.com\/retirement-ira\/overview \"IRA\").\n\n### What happens if you contribute too much to your 401(k)?\nThere are usually controls in place to keep you from contributing too much to a company retirement plan. But if you've changed jobs this year or have access to multiple workplace plans, you'll want to stay on top of how much you save in a 401(k) each year. Contributing too much can lead to paying additional tax.\n\nIf you overcontribute, you may request excess contributions (and anything they earned) be returned by Tax Day each year. You should also receive a modified W-2 that reflects that additional income.\n\n### How to get the most out of your 401(K)\nConsider these 3 steps to help you save more (and smarter) for retirement.\n\n**1\\. Contribute early.** If you start saving in your 401(k) early on and keep that money invested over the long term, you could benefit from compound returns, which is when your investment returns earn returns of their own. Compound returns can potentially help your savings grow exponentially—helpful when saving for a major goal like retirement.\n\n**2\\. Start small if you have to, and go for the match.** Saving 15% of your pretax salary can seem intimidating when you're first getting started with saving for retirement. But starting to contribute even small amounts as soon as you're able has the potential to add up in the long run. And it can help to establish a good habit. If your company offers a match, aim to contribute at least enough each year to get the full amount offered. Every dollar your company saves for you is one you don't have to save for yourself.\n\n**3\\. Keep track of your 401(k)s.** It's not uncommon for people to lose track of their retirement plans over time, especially if you work for multiple employers during your career. Keep a record of your retirement accounts to make sure you're not accidentally leaving any savings behind. And remember [that you have options for how to handle your old 401(k)s.](https:\/\/www.fidelity.com\/viewpoints\/retirement\/what-to-do-with-an-old-401k \"that you have options for how to handle your old 401(k)s.\")\n\n## Check out your workplace benefits\nFor easy access to your workplace benefits with Fidelity, log in to NetBenefits®.\n\n[Log inLog In Required](https:\/\/nb.fidelity.com\/public\/nb\/default\/home \"Log in\")\n\n## More to explore\n### [It’s never too early to save for retirement](https:\/\/www.fidelity.com\/retirement-ira\/overview)\nStart investing today—a small amount can make a big difference tomorrow.\n\n### [Considerations for an old 401(k)](https:\/\/www.fidelity.com\/viewpoints\/retirement\/what-to-do-with-an-old-401k)\nHere are 4 options for a 401(k) with a former employer.\n\n- Content Type:Article\n- [Save](https:\/\/www.fidelity.com\/learning-center\/smart-money\/how-much-should-i-contribute-to-my-401k)\n\nClose Popover\n\nLog in\n\nYes, remove\n\nNo, I want to keep this\n\n## Subscribe to  *Fidelity Smart Money℠*\nWhat the news means for your money, plus tips to help you spend, save, and invest.\n\n### Looking for more ideas and insights?\nWe'll deliver them right to your inbox.\n\nManage subscriptions\n\n### Thanks for subscribing\\!\nCheck out your Favorites page, where you can:\n\n- Tell us the topics you want to learn more about\n- View content you've saved for later\n- Subscribe to our newsletters\n\n[Go to Favorites](https:\/\/www.fidelity.com\/learning-center\/favorites)\n\n### We're on our way, but not quite there yet\nGood news, you're on the early-access list.   \n But we're not available in your state just yet. 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Build your knowledge with education for all levels.\n\n*Fidelity Smart Money℠*\n\nWhat the news means for your money, plus tips to help you spend, save, and invest.\n\nActive Investor\n\nOur most advanced investment insights, strategies, and tools.\n\n*Insights from Fidelity Wealth Management* ℠\n\nTimely news, events, and wealth strategies from top Fidelity thought leaders.\n\nWomen Talk Money\n\nReal talk and helpful tips about money, investing, and careers.\n\nEducational Webinars and Events\n\nFree financial education from Fidelity and other leading industry professionals.\n\nDone\n\nAdd subscriptions\n\nNo, thanks.\n\nLoading\n\n- [Saving for retirement](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement\/saving-for-retirement)\n- [Changing jobs](https:\/\/www.fidelity.com\/learning-center\/life-events\/career-planning)\n- [Investing for income](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/investing-for-income)\n- [Preparing for retirement](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement\/planning-your-retirement)\n- [Living in retirement](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement\/planning-your-retirement)\n\n*Investing involves risk, including risk of loss.*\n\n**Past performance is no guarantee of future results.**\n\nViews expressed are as of the date indicated, based on the information available at that time, and may change based on market or other conditions. 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cbSGcUnQ+0AMDeP2uJX1rbc1PAMmJH6Pekzn70x\/bWI5vav\/\/bO+0hAT+ntcP8P8IOrGXbdHt4cao9BL8tNnDYQU66wQ4LTrUbPJL+pkG7w4iF1IiZLyXhfbQ7pml9e3604pRtnPccfbDeIDF0v6ba\/uJ4NBrnVJRu9y\/BnOlMoqjVPDpsP3c7dAzw4SR1mWv8zQEYrcClV137yHSITjs3bAQfYYQRRhhhhBFGGAH8D9DXSGd7oPh2AAAAAElFTkSuQmCC)\n\nTo get your conversation started, type a question in the entry field or choose from one of the following popular topics and commonly asked questions.\n\n- Where is the money going that I contributed through the 52-week Smart Habit Challenge?\n- Where can I see the total amount contributed by my employer to my 401(k) and how much of that is vested currently?\n- How much income can I make yearly and still contribute to a 401(k)?\n\nProvide Feedback\n\nanswers will appear above the text input\n\nSubmit message","attrs_readable_markdown":"Our annual guideline is to save at least 15% for retirement.\n\n![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/learning-center\/heros\/how-much-should-i-contribute-to-my-401k_499723711_banner.png)\n\n### Key takeaways\n- Many companies offer 401(k) plans to encourage employees to save for retirement. Some even match contributions you make yourself.\n- Aim to save at least 15% of your pretax income each year for retirement (including employer contributions). This can be in a 401(k) or another retirement account.\n- Contributing early can help you get the most out of your 401(K).\n\nYou probably already know: Retirement is expensive. Luckily, there are retirement accounts, such as the 401(k), you may have access to as an employer benefit, that can help you save for retirement—and get a tax break at the same time.\n\nBut how much should you contribute to your 401(k)? If retirement is years or even decades away, it can be hard to figure out what you may need. Although everyone's financial situation is unique, here are some general guidelines to consider when figuring out how much to contribute to your 401(k).\n\n### How much should you contribute to your 401(k)?\nFidelity's guideline is to work up to saving 15% of your pretax income each year for retirement, including any employer contributions. The 15% retirement savings goal can also include contributions you make to an [IRA](https:\/\/www.fidelity.com\/learning-center\/smart-money\/what-is-an-ira \"individual retirement account (IRA)\").\n\nIf your employer helps you save for retirement, they might do so by contributing a set amount or percentage of your salary no matter what you contribute to your 401(k). They may also help you save by contributing what's called a 401(k) match. That's when your company contributes only when you do. Generally, companies use a formula like putting in 50 cents or \\$1 for every dollar you do, up to a certain percentage of your salary. If your employer offers a [401(k) match](https:\/\/www.fidelity.com\/learning-center\/smart-money\/average-401k-match \"401(k) match\"), it's a smart idea to prioritize saving at least enough in your 401(k) to get that full amount.\n\nPay attention to vesting requirements. For example, your employer may stipulate that you remain an employee for a set period of time before any or all of the 401(k) match becomes yours. If you change jobs before the end of the vesting period, you won't get to walk away with all of your employer's contributions in your 401(k).\n\n### Why 15%?\nThis guideline is based on research finding that [most people need between 55% to 80% of their preretirement income](http:\/\/www.fidelity.com\/viewpoints\/retirement\/retirement-income-sources \"most people need between 55% to 80% of their preretirement income\") to finance their lifestyle in retirement. Not all of it needs to come from your savings; some may come from Social Security. That, combined with saving 15% each year from age 25 to 67 should help you reach that level of income replacement.\n\nOf course, that 15% retirement savings goal may vary based on your financial situation and depends on some key choices you make before retirement, such as when you start saving and when you plan to retire. Those who start saving for retirement earlier, for example, may be able to save less, while those who start later may need to save more each year to catch up.\n\nYou also may be able to save less than 15% each year if you know you'll have other retirement income sources, like a pension. If you anticipate having a higher or lower standard of living in retirement, you may need to save more—or less. Figuring out the right amount to save for retirement can get complicated as situations become more complex. You may want to meet with a financial professional to figure out how much you personally should be saving for retirement overall and in your 401(k).\n\n*Get an estimate of where you stand for retirement using the* [Fidelity Retirement ScoreSM](https:\/\/www.fidelity.com\/calculators-tools\/fidelity-retirement-score-tool \"Fidelity Retirement ScoreSM\")\n\n### How much can you contribute to your 401(k)?\nEvery year the IRS sets the max that you and your employer can contribute to your 401(k). In 2025, the [401(k) contribution limit](https:\/\/www.fidelity.com\/learning-center\/smart-money\/401k-contribution-limits) for employees is \\$23,500. In 2026, this goes up to \\$24,500. If you're at least 50 at the end of the calendar year, you can add a catch-up contribution of up to \\$7,500 in 2025 and up to \\$8,000 in 2026. However, if you're between 60 and 63 in either year, you may be able to contribute even more—up to \\$11,250—as a \"super\" catch-up contribution if your plan allows it. Check with your plan sponsor to see whether this \"super\" catch-up contribution is available to you. Note that this larger catch-up is in lieu of the standard catch-up contribution for the year. Regardless of age, your 401(k) contributions cannot exceed your annual compensation at the company that holds your plan.\n\nIn addition to your individual employee contributions, there is a combined limit that you and your employer can contribute to a 401(k). For 2025, this amount is \\$70,000. For 2026, it increases to \\$72,000.\n\nIf you'd like to save more for retirement than you can contribute to your 401(k) this year, consider contributing to an [IRA](https:\/\/www.fidelity.com\/retirement-ira\/overview \"IRA\").\n\n### What happens if you contribute too much to your 401(k)?\nThere are usually controls in place to keep you from contributing too much to a company retirement plan. But if you've changed jobs this year or have access to multiple workplace plans, you'll want to stay on top of how much you save in a 401(k) each year. Contributing too much can lead to paying additional tax.\n\nIf you overcontribute, you may request excess contributions (and anything they earned) be returned by Tax Day each year. You should also receive a modified W-2 that reflects that additional income.\n\n### How to get the most out of your 401(K)\nConsider these 3 steps to help you save more (and smarter) for retirement.\n\n**1\\. Contribute early.** If you start saving in your 401(k) early on and keep that money invested over the long term, you could benefit from compound returns, which is when your investment returns earn returns of their own. Compound returns can potentially help your savings grow exponentially—helpful when saving for a major goal like retirement.\n\n**2\\. Start small if you have to, and go for the match.** Saving 15% of your pretax salary can seem intimidating when you're first getting started with saving for retirement. But starting to contribute even small amounts as soon as you're able has the potential to add up in the long run. And it can help to establish a good habit. If your company offers a match, aim to contribute at least enough each year to get the full amount offered. Every dollar your company saves for you is one you don't have to save for yourself.\n\n**3\\. Keep track of your 401(k)s.** It's not uncommon for people to lose track of their retirement plans over time, especially if you work for multiple employers during your career. Keep a record of your retirement accounts to make sure you're not accidentally leaving any savings behind. And remember [that you have options for how to handle your old 401(k)s.](https:\/\/www.fidelity.com\/viewpoints\/retirement\/what-to-do-with-an-old-401k \"that you have options for how to handle your old 401(k)s.\")","meta_canonical":null}

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URL	https://www.fidelity.com/learning-center/smart-money/how-much-should-i-contribute-to-my-401k
Last Crawled	2026-04-11 17:21:37 (4 days ago)
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Meta Title	How much should I contribute to my 401(k)? \| Fidelity
Meta Description	Figuring out how much to save in your 401(k) can be complicated. Here’s our guidelines on 401(k) contributions.
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Boilerpipe Text	Our annual guideline is to save at least 15% for retirement. Key takeaways Many companies offer 401(k) plans to encourage employees to save for retirement. Some even match contributions you make yourself. Aim to save at least 15% of your pretax income each year for retirement (including employer contributions). This can be in a 401(k) or another retirement account. Contributing early can help you get the most out of your 401(K). You probably already know: Retirement is expensive. Luckily, there are retirement accounts, such as the 401(k), you may have access to as an employer benefit, that can help you save for retirement—and get a tax break at the same time. But how much should you contribute to your 401(k)? If retirement is years or even decades away, it can be hard to figure out what you may need. Although everyone's financial situation is unique, here are some general guidelines to consider when figuring out how much to contribute to your 401(k). How much should you contribute to your 401(k)? Fidelity's guideline is to work up to saving 15% of your pretax income each year for retirement, including any employer contributions. The 15% retirement savings goal can also include contributions you make to an IRA . If your employer helps you save for retirement, they might do so by contributing a set amount or percentage of your salary no matter what you contribute to your 401(k). They may also help you save by contributing what's called a 401(k) match. That's when your company contributes only when you do. Generally, companies use a formula like putting in 50 cents or $1 for every dollar you do, up to a certain percentage of your salary. If your employer offers a 401(k) match , it's a smart idea to prioritize saving at least enough in your 401(k) to get that full amount. Pay attention to vesting requirements. For example, your employer may stipulate that you remain an employee for a set period of time before any or all of the 401(k) match becomes yours. If you change jobs before the end of the vesting period, you won't get to walk away with all of your employer's contributions in your 401(k). Why 15%? This guideline is based on research finding that most people need between 55% to 80% of their preretirement income to finance their lifestyle in retirement. Not all of it needs to come from your savings; some may come from Social Security. That, combined with saving 15% each year from age 25 to 67 should help you reach that level of income replacement. Of course, that 15% retirement savings goal may vary based on your financial situation and depends on some key choices you make before retirement, such as when you start saving and when you plan to retire. Those who start saving for retirement earlier, for example, may be able to save less, while those who start later may need to save more each year to catch up. You also may be able to save less than 15% each year if you know you'll have other retirement income sources, like a pension. If you anticipate having a higher or lower standard of living in retirement, you may need to save more—or less. Figuring out the right amount to save for retirement can get complicated as situations become more complex. You may want to meet with a financial professional to figure out how much you personally should be saving for retirement overall and in your 401(k). Get an estimate of where you stand for retirement using the Fidelity Retirement Score SM How much can you contribute to your 401(k)? Every year the IRS sets the max that you and your employer can contribute to your 401(k). In 2025, the 401(k) contribution limit for employees is $23,500. In 2026, this goes up to $24,500. If you're at least 50 at the end of the calendar year, you can add a catch-up contribution of up to $7,500 in 2025 and up to $8,000 in 2026. However, if you're between 60 and 63 in either year, you may be able to contribute even more—up to $11,250—as a "super" catch-up contribution if your plan allows it. Check with your plan sponsor to see whether this "super" catch-up contribution is available to you. Note that this larger catch-up is in lieu of the standard catch-up contribution for the year. Regardless of age, your 401(k) contributions cannot exceed your annual compensation at the company that holds your plan. In addition to your individual employee contributions, there is a combined limit that you and your employer can contribute to a 401(k). For 2025, this amount is $70,000. For 2026, it increases to $72,000. If you'd like to save more for retirement than you can contribute to your 401(k) this year, consider contributing to an IRA . What happens if you contribute too much to your 401(k)? There are usually controls in place to keep you from contributing too much to a company retirement plan. But if you've changed jobs this year or have access to multiple workplace plans, you'll want to stay on top of how much you save in a 401(k) each year. Contributing too much can lead to paying additional tax. If you overcontribute, you may request excess contributions (and anything they earned) be returned by Tax Day each year. You should also receive a modified W-2 that reflects that additional income. How to get the most out of your 401(K) Consider these 3 steps to help you save more (and smarter) for retirement. 1. Contribute early. If you start saving in your 401(k) early on and keep that money invested over the long term, you could benefit from compound returns, which is when your investment returns earn returns of their own. Compound returns can potentially help your savings grow exponentially—helpful when saving for a major goal like retirement. 2. Start small if you have to, and go for the match. Saving 15% of your pretax salary can seem intimidating when you're first getting started with saving for retirement. But starting to contribute even small amounts as soon as you're able has the potential to add up in the long run. And it can help to establish a good habit. If your company offers a match, aim to contribute at least enough each year to get the full amount offered. Every dollar your company saves for you is one you don't have to save for yourself. 3. Keep track of your 401(k)s. It's not uncommon for people to lose track of their retirement plans over time, especially if you work for multiple employers during your career. Keep a record of your retirement accounts to make sure you're not accidentally leaving any savings behind. And remember that you have options for how to handle your old 401(k)s.
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Share ![Share](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/article/share.svg) Close Popover * How much should I contribute to my 401(k)? \\| Fidelity Clicking a link will open a new window. - [Facebook](https://www.fidelity.com/learning-center/smart-money/how-much-should-i-contribute-to-my-401k#facebook) - [Twitter](https://www.fidelity.com/learning-center/smart-money/how-much-should-i-contribute-to-my-401k#twitter) - [LinkedIn](https://www.fidelity.com/learning-center/smart-money/how-much-should-i-contribute-to-my-401k#linkedin) [Print ![Print](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/article/Print.svg)](https://www.fidelity.com/learning-center/smart-money/how-much-should-i-contribute-to-my-401k#print) # How much should I contribute to my 401(k)? Our annual guideline is to save at least 15% for retirement. Fidelity Viewpoints ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/learning-center/heros/how-much-should-i-contribute-to-my-401k_499723711_banner.png) ### Key takeaways - Many companies offer 401(k) plans to encourage employees to save for retirement. Some even match contributions you make yourself. - Aim to save at least 15% of your pretax income each year for retirement (including employer contributions). This can be in a 401(k) or another retirement account. - Contributing early can help you get the most out of your 401(K). You probably already know: Retirement is expensive. Luckily, there are retirement accounts, such as the 401(k), you may have access to as an employer benefit, that can help you save for retirement—and get a tax break at the same time. But how much should you contribute to your 401(k)? If retirement is years or even decades away, it can be hard to figure out what you may need. Although everyone's financial situation is unique, here are some general guidelines to consider when figuring out how much to contribute to your 401(k). ### How much should you contribute to your 401(k)? Fidelity's guideline is to work up to saving 15% of your pretax income each year for retirement, including any employer contributions. The 15% retirement savings goal can also include contributions you make to an [IRA](https://www.fidelity.com/learning-center/smart-money/what-is-an-ira "individual retirement account (IRA)"). If your employer helps you save for retirement, they might do so by contributing a set amount or percentage of your salary no matter what you contribute to your 401(k). They may also help you save by contributing what's called a 401(k) match. That's when your company contributes only when you do. Generally, companies use a formula like putting in 50 cents or \$1 for every dollar you do, up to a certain percentage of your salary. If your employer offers a [401(k) match](https://www.fidelity.com/learning-center/smart-money/average-401k-match "401(k) match"), it's a smart idea to prioritize saving at least enough in your 401(k) to get that full amount. Pay attention to vesting requirements. For example, your employer may stipulate that you remain an employee for a set period of time before any or all of the 401(k) match becomes yours. If you change jobs before the end of the vesting period, you won't get to walk away with all of your employer's contributions in your 401(k). ### Why 15%? This guideline is based on research finding that [most people need between 55% to 80% of their preretirement income](http://www.fidelity.com/viewpoints/retirement/retirement-income-sources "most people need between 55% to 80% of their preretirement income") to finance their lifestyle in retirement. Not all of it needs to come from your savings; some may come from Social Security. That, combined with saving 15% each year from age 25 to 67 should help you reach that level of income replacement. Of course, that 15% retirement savings goal may vary based on your financial situation and depends on some key choices you make before retirement, such as when you start saving and when you plan to retire. Those who start saving for retirement earlier, for example, may be able to save less, while those who start later may need to save more each year to catch up. You also may be able to save less than 15% each year if you know you'll have other retirement income sources, like a pension. If you anticipate having a higher or lower standard of living in retirement, you may need to save more—or less. Figuring out the right amount to save for retirement can get complicated as situations become more complex. You may want to meet with a financial professional to figure out how much you personally should be saving for retirement overall and in your 401(k). Get an estimate of where you stand for retirement using the [Fidelity Retirement ScoreSM](https://www.fidelity.com/calculators-tools/fidelity-retirement-score-tool "Fidelity Retirement ScoreSM") ### How much can you contribute to your 401(k)? Every year the IRS sets the max that you and your employer can contribute to your 401(k). In 2025, the [401(k) contribution limit](https://www.fidelity.com/learning-center/smart-money/401k-contribution-limits) for employees is \$23,500. In 2026, this goes up to \$24,500. If you're at least 50 at the end of the calendar year, you can add a catch-up contribution of up to \$7,500 in 2025 and up to \$8,000 in 2026. However, if you're between 60 and 63 in either year, you may be able to contribute even more—up to \$11,250—as a "super" catch-up contribution if your plan allows it. Check with your plan sponsor to see whether this "super" catch-up contribution is available to you. Note that this larger catch-up is in lieu of the standard catch-up contribution for the year. Regardless of age, your 401(k) contributions cannot exceed your annual compensation at the company that holds your plan. In addition to your individual employee contributions, there is a combined limit that you and your employer can contribute to a 401(k). For 2025, this amount is \$70,000. For 2026, it increases to \$72,000. If you'd like to save more for retirement than you can contribute to your 401(k) this year, consider contributing to an [IRA](https://www.fidelity.com/retirement-ira/overview "IRA"). ### What happens if you contribute too much to your 401(k)? There are usually controls in place to keep you from contributing too much to a company retirement plan. But if you've changed jobs this year or have access to multiple workplace plans, you'll want to stay on top of how much you save in a 401(k) each year. Contributing too much can lead to paying additional tax. If you overcontribute, you may request excess contributions (and anything they earned) be returned by Tax Day each year. You should also receive a modified W-2 that reflects that additional income. ### How to get the most out of your 401(K) Consider these 3 steps to help you save more (and smarter) for retirement. 1\. Contribute early. If you start saving in your 401(k) early on and keep that money invested over the long term, you could benefit from compound returns, which is when your investment returns earn returns of their own. Compound returns can potentially help your savings grow exponentially—helpful when saving for a major goal like retirement. 2\. Start small if you have to, and go for the match. Saving 15% of your pretax salary can seem intimidating when you're first getting started with saving for retirement. But starting to contribute even small amounts as soon as you're able has the potential to add up in the long run. And it can help to establish a good habit. If your company offers a match, aim to contribute at least enough each year to get the full amount offered. Every dollar your company saves for you is one you don't have to save for yourself. 3\. Keep track of your 401(k)s. It's not uncommon for people to lose track of their retirement plans over time, especially if you work for multiple employers during your career. Keep a record of your retirement accounts to make sure you're not accidentally leaving any savings behind. And remember [that you have options for how to handle your old 401(k)s.](https://www.fidelity.com/viewpoints/retirement/what-to-do-with-an-old-401k "that you have options for how to handle your old 401(k)s.") ## Check out your workplace benefits For easy access to your workplace benefits with Fidelity, log in to NetBenefits®. [Log inLog In Required](https://nb.fidelity.com/public/nb/default/home "Log in") ## More to explore ### [It’s never too early to save for retirement](https://www.fidelity.com/retirement-ira/overview) Start investing today—a small amount can make a big difference tomorrow. ### [Considerations for an old 401(k)](https://www.fidelity.com/viewpoints/retirement/what-to-do-with-an-old-401k) Here are 4 options for a 401(k) with a former employer. - Content Type:Article - [Save](https://www.fidelity.com/learning-center/smart-money/how-much-should-i-contribute-to-my-401k) Close Popover Log in Yes, remove No, I want to keep this ## Subscribe to Fidelity Smart Money℠ What the news means for your money, plus tips to help you spend, save, and invest. ### Looking for more ideas and insights? We'll deliver them right to your inbox. Manage subscriptions ### Thanks for subscribing\! 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zw4SR1mWv8zQEYrcClV137yHSITjs3bAQfYYQRRhhhhBFGGAH8D9DXSGd7oPh2AAAAAElFTkSuQmCC) 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![](data:image/png;base64,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) To get your conversation started, type a question in the entry field or choose from one of the following popular topics and commonly asked questions. - Where is the money going that I contributed through the 52-week Smart Habit Challenge? - Where can I see the total amount contributed by my employer to my 401(k) and how much of that is vested currently? - How much income can I make yearly and still contribute to a 401(k)? 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Readable Markdown	Our annual guideline is to save at least 15% for retirement. ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/learning-center/heros/how-much-should-i-contribute-to-my-401k_499723711_banner.png) ### Key takeaways - Many companies offer 401(k) plans to encourage employees to save for retirement. Some even match contributions you make yourself. - Aim to save at least 15% of your pretax income each year for retirement (including employer contributions). This can be in a 401(k) or another retirement account. - Contributing early can help you get the most out of your 401(K). You probably already know: Retirement is expensive. Luckily, there are retirement accounts, such as the 401(k), you may have access to as an employer benefit, that can help you save for retirement—and get a tax break at the same time. But how much should you contribute to your 401(k)? If retirement is years or even decades away, it can be hard to figure out what you may need. Although everyone's financial situation is unique, here are some general guidelines to consider when figuring out how much to contribute to your 401(k). ### How much should you contribute to your 401(k)? Fidelity's guideline is to work up to saving 15% of your pretax income each year for retirement, including any employer contributions. The 15% retirement savings goal can also include contributions you make to an [IRA](https://www.fidelity.com/learning-center/smart-money/what-is-an-ira "individual retirement account (IRA)"). If your employer helps you save for retirement, they might do so by contributing a set amount or percentage of your salary no matter what you contribute to your 401(k). They may also help you save by contributing what's called a 401(k) match. That's when your company contributes only when you do. Generally, companies use a formula like putting in 50 cents or \$1 for every dollar you do, up to a certain percentage of your salary. If your employer offers a [401(k) match](https://www.fidelity.com/learning-center/smart-money/average-401k-match "401(k) match"), it's a smart idea to prioritize saving at least enough in your 401(k) to get that full amount. Pay attention to vesting requirements. For example, your employer may stipulate that you remain an employee for a set period of time before any or all of the 401(k) match becomes yours. If you change jobs before the end of the vesting period, you won't get to walk away with all of your employer's contributions in your 401(k). ### Why 15%? This guideline is based on research finding that [most people need between 55% to 80% of their preretirement income](http://www.fidelity.com/viewpoints/retirement/retirement-income-sources "most people need between 55% to 80% of their preretirement income") to finance their lifestyle in retirement. Not all of it needs to come from your savings; some may come from Social Security. That, combined with saving 15% each year from age 25 to 67 should help you reach that level of income replacement. Of course, that 15% retirement savings goal may vary based on your financial situation and depends on some key choices you make before retirement, such as when you start saving and when you plan to retire. Those who start saving for retirement earlier, for example, may be able to save less, while those who start later may need to save more each year to catch up. You also may be able to save less than 15% each year if you know you'll have other retirement income sources, like a pension. If you anticipate having a higher or lower standard of living in retirement, you may need to save more—or less. Figuring out the right amount to save for retirement can get complicated as situations become more complex. You may want to meet with a financial professional to figure out how much you personally should be saving for retirement overall and in your 401(k). Get an estimate of where you stand for retirement using the [Fidelity Retirement ScoreSM](https://www.fidelity.com/calculators-tools/fidelity-retirement-score-tool "Fidelity Retirement ScoreSM") ### How much can you contribute to your 401(k)? Every year the IRS sets the max that you and your employer can contribute to your 401(k). In 2025, the [401(k) contribution limit](https://www.fidelity.com/learning-center/smart-money/401k-contribution-limits) for employees is \$23,500. In 2026, this goes up to \$24,500. If you're at least 50 at the end of the calendar year, you can add a catch-up contribution of up to \$7,500 in 2025 and up to \$8,000 in 2026. However, if you're between 60 and 63 in either year, you may be able to contribute even more—up to \$11,250—as a "super" catch-up contribution if your plan allows it. Check with your plan sponsor to see whether this "super" catch-up contribution is available to you. Note that this larger catch-up is in lieu of the standard catch-up contribution for the year. Regardless of age, your 401(k) contributions cannot exceed your annual compensation at the company that holds your plan. In addition to your individual employee contributions, there is a combined limit that you and your employer can contribute to a 401(k). For 2025, this amount is \$70,000. For 2026, it increases to \$72,000. If you'd like to save more for retirement than you can contribute to your 401(k) this year, consider contributing to an [IRA](https://www.fidelity.com/retirement-ira/overview "IRA"). ### What happens if you contribute too much to your 401(k)? There are usually controls in place to keep you from contributing too much to a company retirement plan. But if you've changed jobs this year or have access to multiple workplace plans, you'll want to stay on top of how much you save in a 401(k) each year. Contributing too much can lead to paying additional tax. If you overcontribute, you may request excess contributions (and anything they earned) be returned by Tax Day each year. You should also receive a modified W-2 that reflects that additional income. ### How to get the most out of your 401(K) Consider these 3 steps to help you save more (and smarter) for retirement. 1\. Contribute early. If you start saving in your 401(k) early on and keep that money invested over the long term, you could benefit from compound returns, which is when your investment returns earn returns of their own. Compound returns can potentially help your savings grow exponentially—helpful when saving for a major goal like retirement. 2\. Start small if you have to, and go for the match. Saving 15% of your pretax salary can seem intimidating when you're first getting started with saving for retirement. But starting to contribute even small amounts as soon as you're able has the potential to add up in the long run. And it can help to establish a good habit. If your company offers a match, aim to contribute at least enough each year to get the full amount offered. Every dollar your company saves for you is one you don't have to save for yourself. 3\. Keep track of your 401(k)s. It's not uncommon for people to lose track of their retirement plans over time, especially if you work for multiple employers during your career. Keep a record of your retirement accounts to make sure you're not accidentally leaving any savings behind. And remember [that you have options for how to handle your old 401(k)s.](https://www.fidelity.com/viewpoints/retirement/what-to-do-with-an-old-401k "that you have options for how to handle your old 401(k)s.")
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