🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 34 (from laksa092)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa034.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.nerdwallet.com/retirement/calculators/401k-calculator\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.nerdwallet.com/retirement/calculators/401k-calculator\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.nerdwallet.com\/retirement\/calculators\/401k-calculator","crawl_time":1775361424,"first_indexed_time":1764108912,"http_code":200,"src_unparsed":"com,nerdwallet!www,\/retirement\/calculators\/401k-calculator s443","src_root_hash":"10009614238684002234","history_drop_reason":null,"meta_title":"401(k) Savings Calculator - NerdWallet","meta_descriptions":["Estimate your balance at retirement with this free 401(k) calculator. Enter your monthly contributions and employer match to see how your money may grow over time."],"attrs_boilerpipe_text":"How to fill out your 401(k) details\nCurrent age:\nThe age you are turning this calendar year.\nAnnual income:\nThe amount of money earned this year from your employer. For the purposes of this calculator, include only this income source to best calculate your 401(k) plan balance by retirement. Our calculator also assumes 2% annual income growth.\nStarting balance:\nThe amount currently in your 401(k) plan.\nMonthly contribution:\nThe IRS sets a limit on how much can be put into this plan every year, also known as an\nannual 401(k) contribution limit\n. In 2026, the 401(k) contribution limit is $24,500 for those under age 50, $32,500 for those over age 50, and $35,750 for those between the ages of 60 to 63.\nEmployer match:\nThis refers to the amount your employer puts in your 401(k) in addition to your contribution. It can range from 0% to 100% and typically depends on how much you contribute. In 2026, for those under 50, the combined limit that both you and your employer can contribute to your plan cannot exceed $72,000 or 100% of employee compensation, whichever is less.\nEmployer match limit:\nThis refers to the maximum amount of your salary that your employer will match as part of their 401(k) matching contribution.\nRetirement age:\nThe age you retire. Full Social Security benefits begin at age 67 for people born in 1960 and later. Early retirement benefits are available at 62, but at a lower monthly amount. While you can edit your retirement age above, keep in mind that if you want to\nwithdraw money from your 401(k) early\n, there are additional taxes and penalties in most cases.\nEstimated rate of return:\nThis is the money you earn or lose from an investment. The estimated annual return expected from your 401(k) investments defaults to 6%, but this can be adjusted.\nTotal 401(k) fees:\nThese are charged by 401(k) plan administrators to cover administrative costs, plan management and more. These fees vary by plan and will reduce your expected rate of return. Our calculator defaults to fees of 0%.\nAD\nHow does your\nnet worth stack up?\nSee where you stand compared to households like yours, and get steps you could take to grow from here.\nRun the numbers\nNWWP is an SEC-registered investment adviser. Registration does not imply skill or training. Calculator by NerdWallet, Inc., an affiliate, for informational purposes only.\nPros and cons of a 401(k)\nPros\nTax-advantaged growth. Traditional 401(k) plans take pretax contributions, reducing taxable income for the year. You might also have access to a Roth 401(k), which requires after-tax contributions but offers tax-free withdrawals in retirement.\nEmployer match. This free money can boost your retirement savings.\nHigher contribution limits. You can contribute more to a 401(k) than to an individual retirement plan (IRA).\nPotential for conversions. Some plans may let high earners convert funds in their 401(k) plan into a Roth IRA through a Roth IRA conversion. This provides tax-free withdrawals in retirement and may provide more investment options.\nCons\nLimited investment options. Investment choices are limited to the options provided by the plan.\nPotential vesting period. Some 401(k) plans may require that you work at your employer for a certain number of years before you can be fully vested in your 401(k) plan.\nRules for early withdrawals. An early withdrawal from your 401(k) plan might incur taxes and penalties, depending on the reason.\nNext steps to maximize your 401(k) plan:","attrs_markdown":"Credit cards\n\n- Credit cards\n- [Explore more credit card resources](https:\/\/www.nerdwallet.com\/credit-cards)\n\nBest credit cards\n\n[Best credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best)[Best credit card bonus offers](https:\/\/www.nerdwallet.com\/credit-cards\/best\/bonus-offers)[Best balance transfer credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best\/balance-transfer)[Best travel credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best\/travel)[Best cash back credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best\/cash-back)[Best 0% APR credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best\/zero-percent)[Best rewards credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best\/rewards)[Best airline credit 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Savings Calculator\n\nAdvertiser disclosure\n\n### You’re our first priority. Every time.\nNerdWallet, Inc. is an independent publisher and comparison service, not an investment advisor. Its articles, interactive tools and other content are provided to you for free, as self-help tools and for informational purposes only. They are not intended to provide investment advice. NerdWallet does not and cannot guarantee the accuracy or applicability of any information in regard to your individual circumstances. Examples are hypothetical, and we encourage you to seek personalized advice from qualified professionals regarding specific investment issues. Our estimates are based on past market performance, and past performance is not a guarantee of future performance.\n\nWe believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.\n\nSo how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. [Here is a list of our partners](https:\/\/www.nerdwallet.com\/p\/our-partners).\n# 401(k) Calculator\nEstimate your retirement savings with NerdWallet's free 401(k) calculator. Enter your contributions and employer match to get started.\n\nMany, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of [our partners](https:\/\/www.nerdwallet.com\/p\/our-partners) and [here's how we make money](https:\/\/www.nerdwallet.com\/p\/advertiser-disclosure).\n***\nThe investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.\n\nA 401(k) plan can be one of the most powerful tools for building long-term wealth. With a traditional 401(k), contributions lower your taxable income while investments grow tax-free. If you receive an employer match, these extra contributions can significantly boost your balance over time.\n\nUse NerdWallet’s 401(k) calculator to see how your savings strategy could impact your retirement total — and find out if you’re on track to meet your goals.\n\n## Investment details\nCurrent age\n\nAnnual income\n\nStarting balance\n\nMonthly contributions (23.50% of income)\n\n\\$\n\n%\n\nEmployer match\n\nThe percentage of your contributions that your employer matches.\n\nEmployer match limit\n\nThe maximum percentage of your salary that your employer will match.\n\nRetirement age\n\nIf you were born in 1960 or later, 67 is when you can retire with full benefits. Of course, the longer you work, the more you can save.\n\nEstimated rate of return\n\nThe average annual return you expect from your investments each year.\n\nTotal fees\n\nThe total amount you pay in fees each year, expressed as a percentage of your account balance. Fees reduce your investment returns.\n\nCalculate\n\nBalance at retirement\n\n## \\$3,370,638\n\nAge\n\n36\n\n44\n\n52\n\n59\n\n67\n\n\\$0\n\n\\$740k\n\n\\$1.5mm\n\n\\$2.2mm\n\n\\$3mm\n\n\\$3.7mm\n\nContributionsEmployer matchInvestment returns\n## About this 401(k) calculator\nFeb 13, 2026\n\nFact Checked\n\nHow is this page expert verified?\n\nNerdWallet's content is fact-checked for accuracy, timeliness and relevance. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible.\n\n[More on our editorial rigor](https:\/\/www.nerdwallet.com\/l\/nerdwallet-editorial-guidelines)\n\n[![Profile photo of June Sham]()](https:\/\/www.nerdwallet.com\/author\/june-sham)\n\nWritten by\n\nJune Sham\n\n[![June Sham]()](https:\/\/www.nerdwallet.com\/author\/june-sham)\n\n[June Sham](https:\/\/www.nerdwallet.com\/author\/june-sham)\n\nLead Writer\n***\n4 years of experience\n\nExpertise\n\n- Personal finance\n- retirement\n\nJune Sham is a lead writer on NerdWallet’s investing and taxes team covering retirement and personal finance. She is a licensed insurance producer, and previously was an insurance writer for Bankrate specializing in home, auto and life insurance. She earned her Bachelor of Arts in creative writing at the University of California, Riverside.\n\nLead Writer\n\n\\+  more\n\n[![Profile photo of Pamela de la Fuente]()](https:\/\/www.nerdwallet.com\/author\/pamela-de-la-fuente)\n\nEdited by\n\nPamela de la Fuente\n\n[![Pamela de la Fuente]()](https:\/\/www.nerdwallet.com\/author\/pamela-de-la-fuente)\n\n[Pamela de la Fuente](https:\/\/www.nerdwallet.com\/author\/pamela-de-la-fuente)\n\nManaging Editor\n***\n23 years of experience\n\nExpertise\n\n- Personal Finance\n- Budgeting\n- Taxes\n- Retirement\n- Underrepresented communities\n\nPamela de la Fuente is a managing editor of NerdWallet's personal finance content. She leads budgeting, money-making, consumer credit and and debt coverage.\n\nAsk her and her talented team about why credit scores matter, how to save money on your grocery bill, finding the right side hustle, how to protect your identity for free and more.\n\nPreviously, she led taxes and retirement coverage at NerdWallet.\n\nPamela joined NerdWallet after working at companies including Hallmark Cards, Sprint Corp. and The Kansas City Star. She has been a writer and editor for more than 20 years.\n\nPamela is a thought leader in content diversity, equity, inclusion and belonging, and finds ways to make every piece of content conversational and accessible to all.\n\nShe is a graduate of the Maynard Institute's Maynard 200 program, and the National Association of Black Journalists Executive Leadership Academy. She is a two-time winner of the Kansas City Association of Black Journalists' President's Award. She was also founding co-chair of NerdWallet's Nerds of Color employee resource group.\n\nManaging Editor\n\n\\+  more\n\n## How to fill out your 401(k) details\nCurrent age: The age you are turning this calendar year.\n\nAnnual income: The amount of money earned this year from your employer. For the purposes of this calculator, include only this income source to best calculate your 401(k) plan balance by retirement. Our calculator also assumes 2% annual income growth.\n\nStarting balance: The amount currently in your 401(k) plan.\n\nMonthly contribution: The IRS sets a limit on how much can be put into this plan every year, also known as an [annual 401(k) contribution limit](https:\/\/www.nerdwallet.com\/retirement\/learn\/401k-contribution-limits). In 2026, the 401(k) contribution limit is \\$24,500 for those under age 50, \\$32,500 for those over age 50, and \\$35,750 for those between the ages of 60 to 63.\n\nEmployer match: This refers to the amount your employer puts in your 401(k) in addition to your contribution. It can range from 0% to 100% and typically depends on how much you contribute. In 2026, for those under 50, the combined limit that both you and your employer can contribute to your plan cannot exceed \\$72,000 or 100% of employee compensation, whichever is less.\n\nEmployer match limit: This refers to the maximum amount of your salary that your employer will match as part of their 401(k) matching contribution.\n\nRetirement age: The age you retire. Full Social Security benefits begin at age 67 for people born in 1960 and later. Early retirement benefits are available at 62, but at a lower monthly amount. While you can edit your retirement age above, keep in mind that if you want to [withdraw money from your 401(k) early](https:\/\/www.nerdwallet.com\/retirement\/learn\/early-withdrawals-401ks), there are additional taxes and penalties in most cases.\n\nEstimated rate of return: This is the money you earn or lose from an investment. The estimated annual return expected from your 401(k) investments defaults to 6%, but this can be adjusted.\n\nTotal 401(k) fees: These are charged by 401(k) plan administrators to cover administrative costs, plan management and more. These fees vary by plan and will reduce your expected rate of return. Our calculator defaults to fees of 0%.\n\n» [How to find a financial advisor who can help plan retirement](https:\/\/www.nerdwallet.com\/financial-advisors\/learn\/how-to-find-a-financial-advisor-near-you)\n\nAD\n\nHow does your\n\nnet worth stack up?\n\nSee where you stand compared to households like yours, and get steps you could take to grow from here.\n\n![Head, Person, Face]()\n\n[Run the numbers](https:\/\/nerdwalletwealthpartners.com\/lp\/networthcalculator?utm_medium=nw_wealth_partners_cta&utm_source=nerdwallet&utm_campaign=nwwp_mtkg__networthad_internal_032526&utm_term=%2Fretirement%2Fcalculators%2F401k-calculator)\n\nNWWP is an SEC-registered investment adviser. Registration does not imply skill or training. Calculator by NerdWallet, Inc., an affiliate, for informational purposes only.\n## Pros and cons of a 401(k)\nPros\n***\nTax-advantaged growth. Traditional 401(k) plans take pretax contributions, reducing taxable income for the year. You might also have access to a Roth 401(k), which requires after-tax contributions but offers tax-free withdrawals in retirement.\n\nEmployer match. This free money can boost your retirement savings.\n\nHigher contribution limits. You can contribute more to a 401(k) than to an individual retirement plan (IRA).\n\nPotential for conversions. Some plans may let high earners convert funds in their 401(k) plan into a Roth IRA through a Roth IRA conversion. This provides tax-free withdrawals in retirement and may provide more investment options.\n\nCons\n***\nLimited investment options. Investment choices are limited to the options provided by the plan.\n\nPotential vesting period. Some 401(k) plans may require that you work at your employer for a certain number of years before you can be fully vested in your 401(k) plan.\n\nRules for early withdrawals. An early withdrawal from your 401(k) plan might incur taxes and penalties, depending on the reason.\n\nNext steps to maximize your 401(k) plan:\n\n- [Roth IRA conversion](https:\/\/www.nerdwallet.com\/retirement\/learn\/roth-ira-conversion)\n- [After-tax 401(k)](https:\/\/www.nerdwallet.com\/retirement\/learn\/after-tax-401k-contributions)\n- [Mega backdoor Roth](https:\/\/www.nerdwallet.com\/retirement\/learn\/mega-backdoor-roths-work?utm_source=goog&utm_medium=cpc&utm_campaign=in_mktg_paid_2025_investing_dysads&utm_term=&utm_content=ta&gad_source=1&gad_campaignid=22295461670&gbraid=0AAAAADfKLw2qCjfCXTk_2ibwGfmL0Fth6&gclid=CjwKCAiAssfLBhBDEiwAcLpwfhr-3HulAeKptPO-Ve2HLy_8WghOfuD3bmvvxSSm8kuJHfgeT3N4dxoC6m0QAvD_BwE)\n\n» Want some help with your 401(k)? 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This information may be different than what you see when you visit a financial institution, service provider or specific product's site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution's Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.\n\nNerdWallet Compare, Inc. NMLS ID\\# 1617539\n\n[NMLS Consumer Access](https:\/\/www.nmlsconsumeraccess.org\/EntityDetails.aspx\/COMPANY\/1617539)  \\|  [Licenses and Disclosures](https:\/\/www.nerdwallet.com\/p\/nerdwallet-compare-inc-licenses-and-disclosures)\n\nCalifornia: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License \\#60DBO-74812\n\nInsurance Services offered through NerdWallet Insurance Services, Inc. (CA resident license no.OK92033)  [Insurance Licenses](https:\/\/www.nerdwallet.com\/nerdwallet-insurance-services-inc-licenses-and-disclosures)\n\nFundera, Inc. NMLS ID\\# 1240038\n\n[NMLS Consumer Access](https:\/\/nmlsconsumeraccess.org\/)\n\nCalifornia: California Finance Lender loans arranged pursuant to the Department of Financial Protection and Innovation Finance Lenders License \\#603L288\n\nNerdWallet has engaged Atomic Invest LLC (“Atomic”), an SEC-registered investment adviser, to bring you the opportunity to open investment advisory accounts (Automated Investing Account and\/or Treasury Account) with Atomic. NerdWallet receives compensation of 0% to 0.85% of assets under management annualized, payable monthly, for each referred client who opens an Atomic account and a percentage of free cash interest earned by clients, which creates a conflict of interest. Brokerage services for Atomic are provided by Atomic Brokerage LLC (\"Atomic Brokerage\"), member of [FINRA](https:\/\/www.finra.org\/#\/)\/[SIPC](https:\/\/www.sipc.org\/) and an affiliate of Atomic, which creates a conflict of interest. See details about Atomic, in their [Form CRS](https:\/\/reports.adviserinfo.sec.gov\/crs\/crs_313255.pdf), [Form ADV Part 2A](https:\/\/adviserinfo.sec.gov\/firm\/brochure\/313255) and [Privacy Policy](https:\/\/legal.atomicvest.com\/usa.privacy.de3d0277-78f7-4741-9e9f-755f6b4f03ba.pdf). See details about Atomic Brokerage in their [Form CRS](https:\/\/files.brokercheck.finra.org\/crs_315263.pdf), [General Disclosures](https:\/\/legal.atomicvest.com\/usa.broker.disclosures.003464f3-f6bd-41c3-bbdf-7050e50b43a2.pdf), [fee schedule](https:\/\/legal.atomicvest.com\/usa.broker.schedule.7ea28665-88a9-4542-a748-987e90ea46b6.pdf), and FINRA’s [BrokerCheck](https:\/\/brokercheck.finra.org\/).\n\nYou also can open a Cash Account offered by Atomic Brokerage which allows you to earn interest on your cash through a cash sweep program.  [View Important Cash Account Disclosures.](https:\/\/www.atomicvest.com\/legal\/disclosures\/7d9c31dd-bf97-46ae-9803-1774b97187af)\n\nNeither Atomic Invest nor Atomic Brokerage, nor any of their affiliates is a bank. Investments in securities: Not FDIC Insured, Not Bank Guaranteed, May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged.\n\nImages are for illustrative purposes only.\n\nNerdWallet™ \\| 4150 N Drinkwater Blvd, Suite 200, Scottsdale, AZ 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NerdWallet USA\n\n\\|\n\n[![CA](data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2224%22%20height%3D%2224%22%20viewBox%3D%220%200%2024%2024%22%20fill%3D%22none%22%20style%3D%22transform%3AtranslateY\$3px\$%22%3E%3Cg%20clip-path%3D%27url\$%23clipCA\$%27%3E%3Cpath%20d%3D%22M22.81%201H1.42V15.58H22.81V1Z%22%20stroke%3D%22currentColor%22%20strokeMiterlimit%3D%2210%22%20strokeLinejoin%3D%22round%22%20%2F%3E%3Cpath%20d%3D%22M14.7425%2010.5472C14.7961%2010.4936%2017%208.56438%2017%208.56438L16.6245%208.40343C16.4099%208.29828%2016.4657%208.15665%2016.5172%208.03004C16.5687%207.86695%2016.9485%206.58584%2016.9485%206.58584C16.9485%206.58584%2015.9249%206.80043%2015.7103%206.85408C15.5494%206.90558%2015.4957%206.80043%2015.4421%206.69313C15.3884%206.58584%2015.1202%205.99785%2015.1202%205.99785C15.1202%205.99785%2013.9914%207.28326%2013.9378%207.33476C13.7232%207.49571%2013.5064%207.33476%2013.5601%207.12017C13.5601%206.90558%2014.1524%204.33906%2014.1524%204.33906C14.1524%204.33906%2013.5064%204.71245%2013.2918%204.81974C13.1309%204.92704%2013.0215%204.92704%2012.9142%204.71245C12.8047%204.5515%2011.9979%203%2011.9979%203C11.9979%203%2011.1931%204.5515%2011.0858%204.71245C10.9785%204.92704%2010.8712%204.92704%2010.7082%204.81974C10.4936%204.71245%209.84764%204.33906%209.84764%204.33906C9.84764%204.33906%2010.4399%206.90558%2010.4399%207.12017C10.4936%207.33476%2010.279%207.49571%2010.0622%207.33476C10.0086%207.28112%208.87983%205.99785%208.87983%205.99785C8.87983%205.99785%208.61159%206.58369%208.55794%206.69099C8.50429%206.79828%208.45064%206.90343%208.2897%206.85193C8.07296%206.79828%207.0515%206.58369%207.0515%206.58369C7.0515%206.58369%207.42918%207.86481%207.48283%208.0279C7.53433%208.15665%207.59013%208.29614%207.37554%208.40129L7%208.56438C7%208.56438%209.20172%2010.4936%209.25751%2010.5472C9.36695%2010.6545%209.4721%2010.7082%209.36695%2011.03C9.25751%2011.3519%209.15021%2011.7833%209.15021%2011.7833C9.15021%2011.7833%2011.1931%2011.3519%2011.4099%2011.2983C11.5966%2011.279%2011.8026%2011.3519%2011.8026%2011.5665C11.8026%2011.7811%2011.6781%2013.9871%2011.6781%2013.9871H12.3219C12.3219%2013.9871%2012.1974%2011.7833%2012.1974%2011.5665C12.1974%2011.3498%2012.4013%2011.279%2012.5923%2011.2983C12.8069%2011.3519%2014.8498%2011.7833%2014.8498%2011.7833C14.8498%2011.7833%2014.7425%2011.3519%2014.6352%2011.03C14.5279%2010.7082%2014.6352%2010.6545%2014.7425%2010.5472Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Crect%20x%3D%221%22%20y%3D%221%22%20width%3D%225%22%20height%3D%2215%22%20fill%3D%22currentColor%22%20%2F%3E%3Crect%20x%3D%2218%22%20y%3D%221%22%20width%3D%225%22%20height%3D%2215%22%20fill%3D%22currentColor%22%20%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%27clipCA%27%3E%3Crect%20width%3D%2228%22%20height%3D%2220%22%20fill%3D%22currentColor%22%20%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E) NerdWallet CA](https:\/\/www.nerdwallet.com\/ca)\n\n[![CA](data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2224%22%20height%3D%2224%22%20viewBox%3D%220%200%2024%2024%22%20fill%3D%22none%22%20style%3D%22transform%3AtranslateY\$3px\$%22%3E%3Cg%20clip-path%3D%27url\$%23clipCA\$%27%3E%3Cpath%20d%3D%22M22.81%201H1.42V15.58H22.81V1Z%22%20stroke%3D%22currentColor%22%20strokeMiterlimit%3D%2210%22%20strokeLinejoin%3D%22round%22%20%2F%3E%3Cpath%20d%3D%22M14.7425%2010.5472C14.7961%2010.4936%2017%208.56438%2017%208.56438L16.6245%208.40343C16.4099%208.29828%2016.4657%208.15665%2016.5172%208.03004C16.5687%207.86695%2016.9485%206.58584%2016.9485%206.58584C16.9485%206.58584%2015.9249%206.80043%2015.7103%206.85408C15.5494%206.90558%2015.4957%206.80043%2015.4421%206.69313C15.3884%206.58584%2015.1202%205.99785%2015.1202%205.99785C15.1202%205.99785%2013.9914%207.28326%2013.9378%207.33476C13.7232%207.49571%2013.5064%207.33476%2013.5601%207.12017C13.5601%206.90558%2014.1524%204.33906%2014.1524%204.33906C14.1524%204.33906%2013.5064%204.71245%2013.2918%204.81974C13.1309%204.92704%2013.0215%204.92704%2012.9142%204.71245C12.8047%204.5515%2011.9979%203%2011.9979%203C11.9979%203%2011.1931%204.5515%2011.0858%204.71245C10.9785%204.92704%2010.8712%204.92704%2010.7082%204.81974C10.4936%204.71245%209.84764%204.33906%209.84764%204.33906C9.84764%204.33906%2010.4399%206.90558%2010.4399%207.12017C10.4936%207.33476%2010.279%207.49571%2010.0622%207.33476C10.0086%207.28112%208.87983%205.99785%208.87983%205.99785C8.87983%205.99785%208.61159%206.58369%208.55794%206.69099C8.50429%206.79828%208.45064%206.90343%208.2897%206.85193C8.07296%206.79828%207.0515%206.58369%207.0515%206.58369C7.0515%206.58369%207.42918%207.86481%207.48283%208.0279C7.53433%208.15665%207.59013%208.29614%207.37554%208.40129L7%208.56438C7%208.56438%209.20172%2010.4936%209.25751%2010.5472C9.36695%2010.6545%209.4721%2010.7082%209.36695%2011.03C9.25751%2011.3519%209.15021%2011.7833%209.15021%2011.7833C9.15021%2011.7833%2011.1931%2011.3519%2011.4099%2011.2983C11.5966%2011.279%2011.8026%2011.3519%2011.8026%2011.5665C11.8026%2011.7811%2011.6781%2013.9871%2011.6781%2013.9871H12.3219C12.3219%2013.9871%2012.1974%2011.7833%2012.1974%2011.5665C12.1974%2011.3498%2012.4013%2011.279%2012.5923%2011.2983C12.8069%2011.3519%2014.8498%2011.7833%2014.8498%2011.7833C14.8498%2011.7833%2014.7425%2011.3519%2014.6352%2011.03C14.5279%2010.7082%2014.6352%2010.6545%2014.7425%2010.5472Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Crect%20x%3D%221%22%20y%3D%221%22%20width%3D%225%22%20height%3D%2215%22%20fill%3D%22currentColor%22%20%2F%3E%3Crect%20x%3D%2218%22%20y%3D%221%22%20width%3D%225%22%20height%3D%2215%22%20fill%3D%22currentColor%22%20%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%27clipCA%27%3E%3Crect%20width%3D%2228%22%20height%3D%2220%22%20fill%3D%22currentColor%22%20%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E) NerdWallet CA](https:\/\/www.nerdwallet.com\/ca)\n\n© 2026 NerdWallet, Inc.\n\nAll Rights Reserved.\n\n- [![X](data:image\/svg+xml;base64,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)](https:\/\/x.com\/NerdWallet)\n- [![YouTube](data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2230%22%20height%3D%2230%22%20viewBox%3D%220%200%2030%2030%22%20fill%3D%22none%22%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M4%200C1.79089%200%200%201.79102%200%204V26C0%2028.209%201.79089%2030%204%2030H26C28.2091%2030%2030%2028.209%2030%2026V4C30%201.79102%2028.2091%200%2026%200H4ZM24.9664%208.99023C25.031%209.12842%2025.0836%209.27246%2025.1234%209.4209C25.5618%2011.0591%2025.5618%2014.481%2025.5618%2014.481C25.5618%2014.481%2025.5618%2017.9028%2025.1234%2019.5415C24.8821%2020.4458%2024.1719%2021.1587%2023.2672%2021.3999C21.6289%2021.8403%2015.0618%2021.8403%2015.0618%2021.8403C15.0618%2021.8403%208.49451%2021.8403%206.8562%2021.3999C5.95386%2021.1587%205.24146%2020.4458%205%2019.5415C4.56177%2017.9028%204.56177%2014.481%204.56177%2014.481C4.56177%2014.481%204.56177%2011.0591%205%209.41846C5.11914%208.97314%205.35339%208.56689%205.6792%208.24072C6.005%207.91455%206.41101%207.67969%206.8562%207.56006C8.49451%207.12158%2015.0618%207.12158%2015.0618%207.12158C15.0618%207.12158%2021.6289%207.12158%2023.2672%207.5625C23.7123%207.68262%2024.1179%207.91748%2024.4437%208.24365C24.6609%208.46094%2024.8374%208.71387%2024.9664%208.99023ZM18.4133%2014.4575L12.9758%2011.3403V17.6216L18.4133%2014.4575Z%22%20fill%3D%22black%22%20%2F%3E%3C%2Fsvg%3E)](https:\/\/www.youtube.com\/@nerdwallet)\n- 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[![TikTok](data:image\/svg+xml;base64,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)](https:\/\/www.tiktok.com\/@nerdwallet?lang=en)\n\n![](https:\/\/www.facebook.com\/tr?id=612184065591075&ev=PageView&noscript=1)\n\n![](https:\/\/www.facebook.com\/tr?id=703568349508621&ev=PageView&noscript=1)\n\n![](https:\/\/bat.bing.com\/action\/0?ti=5000528&Ver=2)","attrs_readable_markdown":"How to fill out your 401(k) details\n\nCurrent age: The age you are turning this calendar year.\n\nAnnual income: The amount of money earned this year from your employer. For the purposes of this calculator, include only this income source to best calculate your 401(k) plan balance by retirement. Our calculator also assumes 2% annual income growth.\n\nStarting balance: The amount currently in your 401(k) plan.\n\nMonthly contribution: The IRS sets a limit on how much can be put into this plan every year, also known as an [annual 401(k) contribution limit](https:\/\/www.nerdwallet.com\/retirement\/learn\/401k-contribution-limits). In 2026, the 401(k) contribution limit is \\$24,500 for those under age 50, \\$32,500 for those over age 50, and \\$35,750 for those between the ages of 60 to 63.\n\nEmployer match: This refers to the amount your employer puts in your 401(k) in addition to your contribution. It can range from 0% to 100% and typically depends on how much you contribute. In 2026, for those under 50, the combined limit that both you and your employer can contribute to your plan cannot exceed \\$72,000 or 100% of employee compensation, whichever is less.\n\nEmployer match limit: This refers to the maximum amount of your salary that your employer will match as part of their 401(k) matching contribution.\n\nRetirement age: The age you retire. Full Social Security benefits begin at age 67 for people born in 1960 and later. Early retirement benefits are available at 62, but at a lower monthly amount. While you can edit your retirement age above, keep in mind that if you want to [withdraw money from your 401(k) early](https:\/\/www.nerdwallet.com\/retirement\/learn\/early-withdrawals-401ks), there are additional taxes and penalties in most cases.\n\nEstimated rate of return: This is the money you earn or lose from an investment. The estimated annual return expected from your 401(k) investments defaults to 6%, but this can be adjusted.\n\nTotal 401(k) fees: These are charged by 401(k) plan administrators to cover administrative costs, plan management and more. These fees vary by plan and will reduce your expected rate of return. Our calculator defaults to fees of 0%.\n\nAD\n\nHow does your\n\nnet worth stack up?\n\nSee where you stand compared to households like yours, and get steps you could take to grow from here.\n\n[Run the numbers](https:\/\/nerdwalletwealthpartners.com\/lp\/networthcalculator?utm_medium=nw_wealth_partners_cta&utm_source=nerdwallet&utm_campaign=nwwp_mtkg__networthad_internal_032526&utm_term=%2Fretirement%2Fcalculators%2F401k-calculator)\n\nNWWP is an SEC-registered investment adviser. Registration does not imply skill or training. Calculator by NerdWallet, Inc., an affiliate, for informational purposes only.\n\nPros and cons of a 401(k)\n\nPros\n***\nTax-advantaged growth. Traditional 401(k) plans take pretax contributions, reducing taxable income for the year. You might also have access to a Roth 401(k), which requires after-tax contributions but offers tax-free withdrawals in retirement.\n\nEmployer match. This free money can boost your retirement savings.\n\nHigher contribution limits. You can contribute more to a 401(k) than to an individual retirement plan (IRA).\n\nPotential for conversions. Some plans may let high earners convert funds in their 401(k) plan into a Roth IRA through a Roth IRA conversion. This provides tax-free withdrawals in retirement and may provide more investment options.\n\nCons\n***\nLimited investment options. Investment choices are limited to the options provided by the plan.\n\nPotential vesting period. Some 401(k) plans may require that you work at your employer for a certain number of years before you can be fully vested in your 401(k) plan.\n\nRules for early withdrawals. An early withdrawal from your 401(k) plan might incur taxes and penalties, depending on the reason.\n\nNext steps to maximize your 401(k) plan:","meta_canonical":null}

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Property	Value
URL	https://www.nerdwallet.com/retirement/calculators/401k-calculator
Last Crawled	2026-04-05 03:57:04 (1 day ago)
First Indexed	2025-11-25 22:15:12 (4 months ago)
HTTP Status Code	200
Meta Title	401(k) Savings Calculator - NerdWallet
Meta Description	Estimate your balance at retirement with this free 401(k) calculator. Enter your monthly contributions and employer match to see how your money may grow over time.
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Boilerpipe Text	How to fill out your 401(k) details Current age: The age you are turning this calendar year. Annual income: The amount of money earned this year from your employer. For the purposes of this calculator, include only this income source to best calculate your 401(k) plan balance by retirement. Our calculator also assumes 2% annual income growth. Starting balance: The amount currently in your 401(k) plan. Monthly contribution: The IRS sets a limit on how much can be put into this plan every year, also known as an annual 401(k) contribution limit . In 2026, the 401(k) contribution limit is $24,500 for those under age 50, $32,500 for those over age 50, and $35,750 for those between the ages of 60 to 63. Employer match: This refers to the amount your employer puts in your 401(k) in addition to your contribution. It can range from 0% to 100% and typically depends on how much you contribute. In 2026, for those under 50, the combined limit that both you and your employer can contribute to your plan cannot exceed $72,000 or 100% of employee compensation, whichever is less. Employer match limit: This refers to the maximum amount of your salary that your employer will match as part of their 401(k) matching contribution. Retirement age: The age you retire. Full Social Security benefits begin at age 67 for people born in 1960 and later. Early retirement benefits are available at 62, but at a lower monthly amount. While you can edit your retirement age above, keep in mind that if you want to withdraw money from your 401(k) early , there are additional taxes and penalties in most cases. Estimated rate of return: This is the money you earn or lose from an investment. The estimated annual return expected from your 401(k) investments defaults to 6%, but this can be adjusted. Total 401(k) fees: These are charged by 401(k) plan administrators to cover administrative costs, plan management and more. These fees vary by plan and will reduce your expected rate of return. Our calculator defaults to fees of 0%. AD How does your net worth stack up? See where you stand compared to households like yours, and get steps you could take to grow from here. Run the numbers NWWP is an SEC-registered investment adviser. Registration does not imply skill or training. Calculator by NerdWallet, Inc., an affiliate, for informational purposes only. Pros and cons of a 401(k) Pros Tax-advantaged growth. Traditional 401(k) plans take pretax contributions, reducing taxable income for the year. You might also have access to a Roth 401(k), which requires after-tax contributions but offers tax-free withdrawals in retirement. Employer match. This free money can boost your retirement savings. Higher contribution limits. You can contribute more to a 401(k) than to an individual retirement plan (IRA). Potential for conversions. Some plans may let high earners convert funds in their 401(k) plan into a Roth IRA through a Roth IRA conversion. This provides tax-free withdrawals in retirement and may provide more investment options. Cons Limited investment options. Investment choices are limited to the options provided by the plan. Potential vesting period. Some 401(k) plans may require that you work at your employer for a certain number of years before you can be fully vested in your 401(k) plan. Rules for early withdrawals. An early withdrawal from your 401(k) plan might incur taxes and penalties, depending on the reason. Next steps to maximize your 401(k) plan:
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Every time. NerdWallet, Inc. is an independent publisher and comparison service, not an investment advisor. Its articles, interactive tools and other content are provided to you for free, as self-help tools and for informational purposes only. They are not intended to provide investment advice. NerdWallet does not and cannot guarantee the accuracy or applicability of any information in regard to your individual circumstances. Examples are hypothetical, and we encourage you to seek personalized advice from qualified professionals regarding specific investment issues. Our estimates are based on past market performance, and past performance is not a guarantee of future performance. We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. [Here is a list of our partners](https://www.nerdwallet.com/p/our-partners). # 401(k) Calculator Estimate your retirement savings with NerdWallet's free 401(k) calculator. Enter your contributions and employer match to get started. Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of [our partners](https://www.nerdwallet.com/p/our-partners) and [here's how we make money](https://www.nerdwallet.com/p/advertiser-disclosure). * The investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments. A 401(k) plan can be one of the most powerful tools for building long-term wealth. With a traditional 401(k), contributions lower your taxable income while investments grow tax-free. If you receive an employer match, these extra contributions can significantly boost your balance over time. Use NerdWallet’s 401(k) calculator to see how your savings strategy could impact your retirement total — and find out if you’re on track to meet your goals. ## Investment details Current age Annual income Starting balance Monthly contributions (23.50% of income) \$ % Employer match The percentage of your contributions that your employer matches. Employer match limit The maximum percentage of your salary that your employer will match. Retirement age If you were born in 1960 or later, 67 is when you can retire with full benefits. Of course, the longer you work, the more you can save. Estimated rate of return The average annual return you expect from your investments each year. Total fees The total amount you pay in fees each year, expressed as a percentage of your account balance. Fees reduce your investment returns. Calculate Balance at retirement ## \$3,370,638 Age 36 44 52 59 67 \$0 \$740k \$1.5mm \$2.2mm \$3mm \$3.7mm ContributionsEmployer matchInvestment returns ## About this 401(k) calculator Feb 13, 2026 Fact Checked How is this page expert verified? NerdWallet's content is fact-checked for accuracy, timeliness and relevance. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible. [More on our editorial rigor](https://www.nerdwallet.com/l/nerdwallet-editorial-guidelines) [![Profile photo of June Sham]()](https://www.nerdwallet.com/author/june-sham) Written by June Sham [![June Sham]()](https://www.nerdwallet.com/author/june-sham) [June Sham](https://www.nerdwallet.com/author/june-sham) Lead Writer * 4 years of experience Expertise - Personal finance - retirement June Sham is a lead writer on NerdWallet’s investing and taxes team covering retirement and personal finance. She is a licensed insurance producer, and previously was an insurance writer for Bankrate specializing in home, auto and life insurance. She earned her Bachelor of Arts in creative writing at the University of California, Riverside. Lead Writer \+ more [![Profile photo of Pamela de la Fuente]()](https://www.nerdwallet.com/author/pamela-de-la-fuente) Edited by Pamela de la Fuente [![Pamela de la Fuente]()](https://www.nerdwallet.com/author/pamela-de-la-fuente) [Pamela de la Fuente](https://www.nerdwallet.com/author/pamela-de-la-fuente) Managing Editor * 23 years of experience Expertise - Personal Finance - Budgeting - Taxes - Retirement - Underrepresented communities Pamela de la Fuente is a managing editor of NerdWallet's personal finance content. She leads budgeting, money-making, consumer credit and and debt coverage. Ask her and her talented team about why credit scores matter, how to save money on your grocery bill, finding the right side hustle, how to protect your identity for free and more. Previously, she led taxes and retirement coverage at NerdWallet. Pamela joined NerdWallet after working at companies including Hallmark Cards, Sprint Corp. and The Kansas City Star. She has been a writer and editor for more than 20 years. Pamela is a thought leader in content diversity, equity, inclusion and belonging, and finds ways to make every piece of content conversational and accessible to all. She is a graduate of the Maynard Institute's Maynard 200 program, and the National Association of Black Journalists Executive Leadership Academy. She is a two-time winner of the Kansas City Association of Black Journalists' President's Award. She was also founding co-chair of NerdWallet's Nerds of Color employee resource group. Managing Editor \+ more ## How to fill out your 401(k) details Current age: The age you are turning this calendar year. Annual income: The amount of money earned this year from your employer. For the purposes of this calculator, include only this income source to best calculate your 401(k) plan balance by retirement. Our calculator also assumes 2% annual income growth. Starting balance: The amount currently in your 401(k) plan. Monthly contribution: The IRS sets a limit on how much can be put into this plan every year, also known as an [annual 401(k) contribution limit](https://www.nerdwallet.com/retirement/learn/401k-contribution-limits). In 2026, the 401(k) contribution limit is \$24,500 for those under age 50, \$32,500 for those over age 50, and \$35,750 for those between the ages of 60 to 63. Employer match: This refers to the amount your employer puts in your 401(k) in addition to your contribution. It can range from 0% to 100% and typically depends on how much you contribute. In 2026, for those under 50, the combined limit that both you and your employer can contribute to your plan cannot exceed \$72,000 or 100% of employee compensation, whichever is less. Employer match limit: This refers to the maximum amount of your salary that your employer will match as part of their 401(k) matching contribution. Retirement age: The age you retire. Full Social Security benefits begin at age 67 for people born in 1960 and later. Early retirement benefits are available at 62, but at a lower monthly amount. While you can edit your retirement age above, keep in mind that if you want to [withdraw money from your 401(k) early](https://www.nerdwallet.com/retirement/learn/early-withdrawals-401ks), there are additional taxes and penalties in most cases. Estimated rate of return: This is the money you earn or lose from an investment. The estimated annual return expected from your 401(k) investments defaults to 6%, but this can be adjusted. Total 401(k) fees: These are charged by 401(k) plan administrators to cover administrative costs, plan management and more. These fees vary by plan and will reduce your expected rate of return. Our calculator defaults to fees of 0%. » [How to find a financial advisor who can help plan retirement](https://www.nerdwallet.com/financial-advisors/learn/how-to-find-a-financial-advisor-near-you) AD How does your net worth stack up? See where you stand compared to households like yours, and get steps you could take to grow from here. ![Head, Person, Face]() [Run the numbers](https://nerdwalletwealthpartners.com/lp/networthcalculator?utm_medium=nw_wealth_partners_cta&utm_source=nerdwallet&utm_campaign=nwwp_mtkg__networthad_internal_032526&utm_term=%2Fretirement%2Fcalculators%2F401k-calculator) NWWP is an SEC-registered investment adviser. Registration does not imply skill or training. Calculator by NerdWallet, Inc., an affiliate, for informational purposes only. ## Pros and cons of a 401(k) Pros * Tax-advantaged growth. Traditional 401(k) plans take pretax contributions, reducing taxable income for the year. You might also have access to a Roth 401(k), which requires after-tax contributions but offers tax-free withdrawals in retirement. Employer match. This free money can boost your retirement savings. Higher contribution limits. You can contribute more to a 401(k) than to an individual retirement plan (IRA). Potential for conversions. Some plans may let high earners convert funds in their 401(k) plan into a Roth IRA through a Roth IRA conversion. This provides tax-free withdrawals in retirement and may provide more investment options. Cons * Limited investment options. Investment choices are limited to the options provided by the plan. Potential vesting period. Some 401(k) plans may require that you work at your employer for a certain number of years before you can be fully vested in your 401(k) plan. Rules for early withdrawals. An early withdrawal from your 401(k) plan might incur taxes and penalties, depending on the reason. Next steps to maximize your 401(k) plan: - [Roth IRA conversion](https://www.nerdwallet.com/retirement/learn/roth-ira-conversion) - [After-tax 401(k)](https://www.nerdwallet.com/retirement/learn/after-tax-401k-contributions) - [Mega backdoor Roth](https://www.nerdwallet.com/retirement/learn/mega-backdoor-roths-work?utm_source=goog&utm_medium=cpc&utm_campaign=in_mktg_paid_2025_investing_dysads&utm_term=&utm_content=ta&gad_source=1&gad_campaignid=22295461670&gbraid=0AAAAADfKLw2qCjfCXTk_2ibwGfmL0Fth6&gclid=CjwKCAiAssfLBhBDEiwAcLpwfhr-3HulAeKptPO-Ve2HLy_8WghOfuD3bmvvxSSm8kuJHfgeT3N4dxoC6m0QAvD_BwE) » Want some help with your 401(k)? 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app](data:image/png;base64,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) 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This information may be different than what you see when you visit a financial institution, service provider or specific product's site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution's Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. NerdWallet Compare, Inc. NMLS ID\# 1617539 [NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1617539) \\| [Licenses and Disclosures](https://www.nerdwallet.com/p/nerdwallet-compare-inc-licenses-and-disclosures) California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License \#60DBO-74812 Insurance Services offered through NerdWallet Insurance Services, Inc. (CA resident license no.OK92033) [Insurance Licenses](https://www.nerdwallet.com/nerdwallet-insurance-services-inc-licenses-and-disclosures) Fundera, Inc. NMLS ID\# 1240038 [NMLS Consumer Access](https://nmlsconsumeraccess.org/) California: California Finance Lender loans arranged pursuant to the Department of Financial Protection and Innovation Finance Lenders License \#603L288 NerdWallet has engaged Atomic Invest LLC (“Atomic”), an SEC-registered investment adviser, to bring you the opportunity to open investment advisory accounts (Automated Investing Account and/or Treasury Account) with Atomic. NerdWallet receives compensation of 0% to 0.85% of assets under management annualized, payable monthly, for each referred client who opens an Atomic account and a percentage of free cash interest earned by clients, which creates a conflict of interest. Brokerage services for Atomic are provided by Atomic Brokerage LLC ("Atomic Brokerage"), member of [FINRA](https://www.finra.org/#/)/[SIPC](https://www.sipc.org/) and an affiliate of Atomic, which creates a conflict of interest. See details about Atomic, in their [Form CRS](https://reports.adviserinfo.sec.gov/crs/crs_313255.pdf), [Form ADV Part 2A](https://adviserinfo.sec.gov/firm/brochure/313255) and [Privacy Policy](https://legal.atomicvest.com/usa.privacy.de3d0277-78f7-4741-9e9f-755f6b4f03ba.pdf). See details about Atomic Brokerage in their [Form CRS](https://files.brokercheck.finra.org/crs_315263.pdf), [General Disclosures](https://legal.atomicvest.com/usa.broker.disclosures.003464f3-f6bd-41c3-bbdf-7050e50b43a2.pdf), [fee schedule](https://legal.atomicvest.com/usa.broker.schedule.7ea28665-88a9-4542-a748-987e90ea46b6.pdf), and FINRA’s [BrokerCheck](https://brokercheck.finra.org/). You also can open a Cash Account offered by Atomic Brokerage which allows you to earn interest on your cash through a cash sweep program. [View Important Cash Account Disclosures.](https://www.atomicvest.com/legal/disclosures/7d9c31dd-bf97-46ae-9803-1774b97187af) Neither Atomic Invest nor Atomic Brokerage, nor any of their affiliates is a bank. Investments in securities: Not FDIC Insured, Not Bank Guaranteed, May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged. Images are for illustrative purposes only. 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NerdWallet USA \\| [![CA](data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2224%22%20height%3D%2224%22%20viewBox%3D%220%200%2024%2024%22%20fill%3D%22none%22%20style%3D%22transform%3AtranslateY$3px$%22%3E%3Cg%20clip-path%3D%27url$%23clipCA$%27%3E%3Cpath%20d%3D%22M22.81%201H1.42V15.58H22.81V1Z%22%20stroke%3D%22currentColor%22%20strokeMiterlimit%3D%2210%22%20strokeLinejoin%3D%22round%22%20%2F%3E%3Cpath%20d%3D%22M14.7425%2010.5472C14.7961%2010.4936%2017%208.56438%2017%208.56438L16.6245%208.40343C16.4099%208.29828%2016.4657%208.15665%2016.5172%208.03004C16.5687%207.86695%2016.9485%206.58584%2016.9485%206.58584C16.9485%206.58584%2015.9249%206.80043%2015.7103%206.85408C15.5494%206.90558%2015.4957%206.80043%2015.4421%206.69313C15.3884%206.58584%2015.1202%205.99785%2015.1202%205.99785C15.1202%205.99785%2013.9914%207.28326%2013.9378%207.33476C13.7232%207.49571%2013.5064%207.33476%2013.5601%207.12017C13.5601%206.90558%2014.1524%204.33906%2014.1524%204.33906C14.1524%204.33906%2013.5064%204.71245%2013.2918%204.81974C13.1309%204.92704%2013.0215%204.92704%2012.9142%204.71245C12.8047%204.5515%2011.9979%203%2011.9979%203C11.9979%203%2011.1931%204.5515%2011.0858%204.71245C10.9785%204.92704%2010.8712%204.92704%2010.7082%204.81974C10.4936%204.71245%209.84764%204.33906%209.84764%204.33906C9.84764%204.33906%2010.4399%206.90558%2010.4399%207.12017C10.4936%207.33476%2010.279%207.49571%2010.0622%207.33476C10.0086%207.28112%208.87983%205.99785%208.87983%205.99785C8.87983%205.99785%208.61159%206.58369%208.55794%206.69099C8.50429%206.79828%208.45064%206.90343%208.2897%206.85193C8.07296%206.79828%207.0515%206.58369%207.0515%206.58369C7.0515%206.58369%207.42918%207.86481%207.48283%208.0279C7.53433%208.15665%207.59013%208.29614%207.37554%208.40129L7%208.56438C7%208.56438%209.20172%2010.4936%209.25751%2010.5472C9.36695%2010.6545%209.4721%2010.7082%209.36695%2011.03C9.25751%2011.3519%209.15021%2011.7833%209.15021%2011.7833C9.15021%2011.7833%2011.1931%2011.3519%2011.4099%2011.2983C11.5966%2011.279%2011.8026%2011.3519%2011.8026%2011.5665C11.8026%2011.7811%2011.6781%2013.9871%2011.6781%2013.9871H12.3219C12.3219%2013.9871%2012.1974%2011.7833%2012.1974%2011.5665C12.1974%2011.3498%2012.4013%2011.279%2012.5923%2011.2983C12.8069%2011.3519%2014.8498%2011.7833%2014.8498%2011.7833C14.8498%2011.7833%2014.7425%2011.3519%2014.6352%2011.03C14.5279%2010.7082%2014.6352%2010.6545%2014.7425%2010.5472Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Crect%20x%3D%221%22%20y%3D%221%22%20width%3D%225%22%20height%3D%2215%22%20fill%3D%22currentColor%22%20%2F%3E%3Crect%20x%3D%2218%22%20y%3D%221%22%20width%3D%225%22%20height%3D%2215%22%20fill%3D%22currentColor%22%20%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%27clipCA%27%3E%3Crect%20width%3D%2228%22%20height%3D%2220%22%20fill%3D%22currentColor%22%20%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E) 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Readable Markdown	How to fill out your 401(k) details Current age: The age you are turning this calendar year. Annual income: The amount of money earned this year from your employer. For the purposes of this calculator, include only this income source to best calculate your 401(k) plan balance by retirement. Our calculator also assumes 2% annual income growth. Starting balance: The amount currently in your 401(k) plan. Monthly contribution: The IRS sets a limit on how much can be put into this plan every year, also known as an [annual 401(k) contribution limit](https://www.nerdwallet.com/retirement/learn/401k-contribution-limits). In 2026, the 401(k) contribution limit is \$24,500 for those under age 50, \$32,500 for those over age 50, and \$35,750 for those between the ages of 60 to 63. Employer match: This refers to the amount your employer puts in your 401(k) in addition to your contribution. It can range from 0% to 100% and typically depends on how much you contribute. In 2026, for those under 50, the combined limit that both you and your employer can contribute to your plan cannot exceed \$72,000 or 100% of employee compensation, whichever is less. Employer match limit: This refers to the maximum amount of your salary that your employer will match as part of their 401(k) matching contribution. Retirement age: The age you retire. Full Social Security benefits begin at age 67 for people born in 1960 and later. Early retirement benefits are available at 62, but at a lower monthly amount. While you can edit your retirement age above, keep in mind that if you want to [withdraw money from your 401(k) early](https://www.nerdwallet.com/retirement/learn/early-withdrawals-401ks), there are additional taxes and penalties in most cases. Estimated rate of return: This is the money you earn or lose from an investment. The estimated annual return expected from your 401(k) investments defaults to 6%, but this can be adjusted. Total 401(k) fees: These are charged by 401(k) plan administrators to cover administrative costs, plan management and more. These fees vary by plan and will reduce your expected rate of return. Our calculator defaults to fees of 0%. AD How does your net worth stack up? See where you stand compared to households like yours, and get steps you could take to grow from here. [Run the numbers](https://nerdwalletwealthpartners.com/lp/networthcalculator?utm_medium=nw_wealth_partners_cta&utm_source=nerdwallet&utm_campaign=nwwp_mtkg__networthad_internal_032526&utm_term=%2Fretirement%2Fcalculators%2F401k-calculator) NWWP is an SEC-registered investment adviser. Registration does not imply skill or training. Calculator by NerdWallet, Inc., an affiliate, for informational purposes only. Pros and cons of a 401(k) Pros * Tax-advantaged growth. Traditional 401(k) plans take pretax contributions, reducing taxable income for the year. You might also have access to a Roth 401(k), which requires after-tax contributions but offers tax-free withdrawals in retirement. Employer match. This free money can boost your retirement savings. Higher contribution limits. You can contribute more to a 401(k) than to an individual retirement plan (IRA). Potential for conversions. Some plans may let high earners convert funds in their 401(k) plan into a Roth IRA through a Roth IRA conversion. This provides tax-free withdrawals in retirement and may provide more investment options. Cons * Limited investment options. Investment choices are limited to the options provided by the plan. Potential vesting period. Some 401(k) plans may require that you work at your employer for a certain number of years before you can be fully vested in your 401(k) plan. Rules for early withdrawals. An early withdrawal from your 401(k) plan might incur taxes and penalties, depending on the reason. Next steps to maximize your 401(k) plan:
Shard	34 (laksa)
Root Hash	10009614238684002234
Unparsed URL	com,nerdwallet!www,/retirement/calculators/401k-calculator s443