🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 34 (from laksa093)

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/learn/how-much-to-contribute-to-401k\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.nerdwallet.com/retirement/learn/how-much-to-contribute-to-401k\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.nerdwallet.com\/retirement\/learn\/how-much-to-contribute-to-401k","crawl_time":1776002609,"first_indexed_time":1762994627,"http_code":200,"src_unparsed":"com,nerdwallet!www,\/retirement\/learn\/how-much-to-contribute-to-401k s443","src_root_hash":"10009614238684002234","history_drop_reason":null,"meta_title":"How Much Should I Contribute to My 401(k)? - NerdWallet","meta_descriptions":["Consider allocating 10%-15% of your pay to a 401(k) in your working years. If you’ve contributed enough to get a match, an IRA is one option for surplus dollars."],"attrs_boilerpipe_text":"When planning your 401(k) contributions, most financial pros will say that the first priority is to contribute at least enough to earn your employer match, if offered. That ensures you don't miss out on free money to help your 401(k) balance grow.\nThat said, maybe your employer doesn't offer a match, or maybe you want to contribute more than the match. Here's how you can figure out how much to set aside in your 401(k).\nThe IRS sets an annual contribution limit for retirement accounts, including 401(k) plans. The most you can contribute to a 401(k) is\n$24,500 in 2026. People aged 50 and older can contribute an extra $8,000 as a catch-up contribution. Due to the Secure 2.0 Act, those aged 60, 61, 62 and 63 get a higher catch-up contribution of $11,250.\n. Employers can also contribute to their employee 401(k) plans.\nIt is possible to add even more to a 401(k) plan through\nafter-tax contributions\n. However, whether you can do this this depends on your plan rules.\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.\nHow much should I contribute to a 401(k)?\nThe annual limit dictates how much you can contribute, but it doesn't offer any guidance on how much you\nshould\ncontribute, or even if you should\nmax out your 401(k)\n.\nYour retirement savings goals should guide your 401(k) contribution amount.\nEstimate your needs:\nSome experts recommend saving enough to replace about 80% of your preretirement income when you retire. In reality, how much money you may need depends on when you plan to retire, how much of your current income you’d actually like to replace and how much you want to rely on\nSocial Security retirement benefits\n. You can create your own estimate for\nhow much you need for retirement\nor work with a\nfinancial advisor\nto get help with more complicated goals.\nConsider the 15% rule\n: Contributing enough to hit your employer match, if offered, can help ensure you're not leaving free money on the table. Many financial pros urge savers to consider allocating 10% to 15% of their income to 401(k) contributions during their working years, but this is just a guideline. You can start at a lower contribution and work your way up over time.\nAn IRA might be a better (or additional) option\nSome 401(k) plans, typically at large companies, offer access to investments with very low expense ratios, making those investments cheaper than if you invested in the same products outside of your 401(k) plan.\nSometimes, the opposite is true; small companies generally can’t negotiate for low-fee funds the way large companies can. And because 401(k) plans typically offer a small selection of investments, you’re limited to what's available.\nIf you're already contributing enough to get your employer match and you want to invest additional cash, or if you don't have an employer match and want another place to start, consider an\nindividual retirement account (IRA)\n. It comes in two forms:\nThe\ntraditional IRA\n, which offers a tax break upfront for contributing.\nThe\nRoth IRA\n, which offers a tax break for withdrawals in the future during retirement.\nWith an IRA, you can choose your own provider, allowing you more investment and cost options compared to a 401(k) plan. However, the\nIRA contribution limit\nis much lower —\n$7,000 for 2025 ($8,000 if aged 50 and older). For 2026, the limit is $7,500 ($8,600 if aged 50 and older)\n— so if you max that out but want to continue saving, go back to your 401(k).\nLet’s be clear: While fees are a bummer, matching dollars from your employer outweigh any fee you might be charged. But once you’ve contributed enough to earn the full match — or if you’re in a plan with no match at all — deciding whether to contribute to your 401(k) is all about those fees. If the fees are high, consider directing additional dollars to an IRA.\n401(k), IRA, Roth: Know the tax impact\nWith a traditional 401(k), your contributions come out of your paycheck pretax, but distributions in retirement are taxed as income. That means your money grows tax-deferred.\nA Roth 401(k) plan takes after-tax dollars, but distributions in retirement are tax-free — you never pay taxes on investment growth.\nIf your employer doesn’t offer a Roth 401(k), you may want to contribute to a Roth IRA after you’ve achieved your 401(k) match. This can help build some tax-free income in retirement.\nIn general, money you contribute to a Roth account is more valuable in retirement because you’re not handing a portion of every distribution to the IRS. If you max out that Roth IRA and need to continue saving, consider going back to the 401(k) and continuing your contributions there.","attrs_markdown":"[Skip to content](https:\/\/www.nerdwallet.com\/retirement\/learn\/how-much-to-contribute-to-401k#main)[![Nerdwallet icon](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIGhlaWdodD0iMjdweCIgd2lkdGg9IjI3cHgiIHZpZXdCb3g9IjAgMCAzMjUuNzYgMzI1Ljc3IiBhcmlhLWxhYmVsbGVkYnk9Im5hdl9fbG9nby1zaG9ydF9fdGl0bGVfX2hlYWRlciIgPjx0aXRsZSBpZD0ibmF2X19sb2dvLXNob3J0X190aXRsZV9faGVhZGVyIj5OZXJkd2FsbGV0IGljb248L3RpdGxlPjxzeW1ib2wgaWQ9Im53LWxvZ28tbi1oZWFkZXIiPjxwYXRoIGZpbGw9Im5vbmUiIGQ9Ik0xMDguNTkgMjE3LjE4aC0uMDMuMDQtLjAxbTAgMGgtLjAzLjA0LS4wMSIgLz48cGF0aCBmaWxsPSIjMDBhZTRkIiBkPSJNMTA3LjkyLjY0YTEwIDEwIDAgMCAwLTMuNTEtLjY0SDcuMTVBNy4xNSA3LjE1IDAgMCAwIDAgNy4xNXYxMDEuNDR6IiAvPjxwYXRoIGZpbGw9Im5vbmUiIGQ9Ik0xMDguNTkgMjE3LjE4aC0uMDMuMDQtLjAxIiAvPjxwYXRoIGZpbGw9IiMwMGFlNGQiIGQ9Ik0yLjA5IDMyMy42N2E3LjEzIDcuMTMgMCAwIDAgNS4wNiAyLjA5aDk0LjI5YTcuMTUgNy4xNSAwIDAgMCA3LjE1LTcuMTVWMjE3LjE4eiIgLz48cGF0aCBmaWxsPSIjMDA2ODJjIiBkPSJNMjE3LjE3IDEwOC41OXYyMTYuMjlsLjY1LjI3IDEwNy45NC0xMDcuOTd6IiAvPjxwYXRoIGZpbGw9Im5vbmUiIGQ9Ik0xMDguNTkgMjE3LjE4aC0uMDMuMDMiIC8+PHBhdGggZmlsbD0iIzhjY2IzMiIgZD0iTTEwOC41OSAyMTcuMThWLjg4Yy0uMjEtLjEtLjQzLS4yLS42NS0uMjhMMCAxMDguNTl2MjEwYTcuMTMgNy4xMyAwIDAgMCAyLjA5IDUuMDV6bTIxNy4xNyAwVjcuMTVBNy4xNSA3LjE1IDAgMCAwIDMxOC42MSAwaC05NC4yOWE3LjE1IDcuMTUgMCAwIDAtNy4xNSA3LjE0djEwMS40NXptMCAwTDIxNy44MiAzMjUuMTJhMTAgMTAgMCAwIDAgMy41MS42NGg5Ny4yOWE3LjE1IDcuMTUgMCAwIDAgNy4xNS03LjE1VjIxNy4xOHoiIC8+PHBhdGggZmlsbD0iI2QwZDFkMyIgZD0iTTEwOC42IDIxNy4xOGgtLjAxLjAxbTEwOC41OC0xMDguNTkiIC8+PHBhdGggZmlsbD0iIzAwYWU0ZCIgZD0iTTExMS41MiAyLjkzYTkuOTQgOS45NCAwIDAgMC0yLjk0LTJ2MjE2LjI1bDEwNS42NiAxMDUuNjVhMTAgMTAgMCAwIDAgMi45NCAyVjEwOC41OXoiIC8+PC9zeW1ib2w+PHVzZSBocmVmPSIjbnctbG9nby1uLWhlYWRlciIgLz48L3N2Zz4=)![Nerdwallet logo](data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20height%3D%2221px%22%20width%3D%22127px%22%20viewBox%3D%22-361.3%20271.3%20128.3%2018.5%22%20aria-hidden%3D%22true%22%20%3E%3Cpath%20fill%3D%22%238DC63F%22%20d%3D%22M-233.4%20279.6h-2.7v5c0%20.6.1%201.1.4%201.4.2.3.7.5%201.3.5.2%200%20.4%200%20.7-.1h.1c.2%200%20.4.1.5.4v2.4c0%20.2-.1.3-.3.4-.2.1-.5.1-.8.2-.5.1-.9.1-1.4.1-.9%200-1.6-.1-2.2-.3-.6-.2-1.1-.5-1.4-.9-.4-.4-.6-.9-.8-1.5-.2-.6-.2-1.2-.2-1.9v-11.7c0-.2.2-.4.4-.4h3c.3%200%20.5.2.5.5l.3%203h2.7c.2%200%20.4.2.4.4v2.4c-.1%200-.3.1-.5.1zm-17.7%204.4c0%20.4.1.7.3%201%20.2.3.4.6.7.8.3.2.6.4%201%20.5.4.1.7.2%201.1.2.7%200%201.3-.1%201.7-.4l.9-.6c.2-.2.4-.2.6%200l1.8%201.9c.2.2.2.5%200%20.6-.5.4-1%20.8-1.6%201.1-1%20.5-2.2.7-3.5.7-1%200-1.9-.2-2.8-.5-.9-.3-1.6-.7-2.3-1.3-.7-.6-1.2-1.3-1.5-2.1-.4-.9-.6-1.8-.6-2.9%200-1.1.2-2%20.5-2.9.4-.9.9-1.6%201.5-2.2.6-.6%201.4-1.1%202.2-1.4.9-.3%201.8-.5%202.8-.5%201%200%201.8.2%202.6.5s1.5.8%202.1%201.4c.6.6%201%201.3%201.3%202.2.3.9.5%201.9.5%203v1h-9.3v-.1zm4.9-4.4c-.4-.5-1.1-.7-1.9-.7-.4%200-.8.1-1.1.2-.3.1-.7.3-.9.5-.3.2-.5.5-.6.8-.2.3-.2.6-.3%201h5.5c-.1-.7-.3-1.3-.7-1.8zm-10.9%209.7h-3.6c-.2%200-.4-.2-.4-.4v-17.3c0-.2.2-.4.4-.4h3.6c.2%200%20.4.2.4.4v17.3c-.1.2-.2.4-.4.4zm-7.2%200h-3.6c-.2%200-.4-.2-.4-.4v-17.3c0-.2.2-.4.4-.4h3.6c.2%200%20.4.2.4.4v17.3c0%20.2-.2.4-.4.4zm-7.1%200h-2.6c-.2%200-.4-.1-.5-.4l-.3-1c-.4.4-1%20.8-1.7%201.1-.6.3-1.3.5-2.1.5h-.7c-1%200-1.8-.2-2.6-.6-.8-.4-1.4-.9-1.9-1.5s-.9-1.4-1.2-2.2c-.3-.8-.4-1.7-.4-2.6%200-.9.1-1.8.4-2.6.3-.8.7-1.5%201.2-2.2.5-.6%201.2-1.1%201.9-1.5.8-.4%201.6-.5%202.5-.5%201.1%200%202%20.2%202.7.5.6.3%201%20.6%201.4.9l.3-1.2c.1-.2.3-.4.5-.4h3c.2%200%20.4.2.4.4v12.7c.1.4-.1.6-.3.6zm-3.9-7.7c-.1-.4-.4-.8-.6-1.1-.3-.3-.6-.6-1-.8-.4-.2-.8-.3-1.3-.3s-.9.1-1.3.3c-.4.2-.7.4-1%20.7-.3.3-.5.7-.6%201.1-.1.4-.2.8-.2%201.2%200%20.4.1.8.2%201.2.1.4.3.8.6%201.1.3.3.6.6%201%20.8.4.2.8.3%201.3.3s.9-.1%201.3-.3c.4-.2.7-.4%201-.8.3-.3.5-.7.6-1.1.1-.4.2-.8.2-1.2%200-.3-.1-.7-.2-1.1zm-14.4%207.4c-.1.2-.2.3-.4.3h-3.8c-.2%200-.3-.1-.4-.3l-2.5-7.8h-.1l-2.4%207.8c0%20.2-.2.3-.4.3h-3.8c-.2%200-.3-.1-.4-.3l-4.2-12.2c-.1-.2.1-.5.4-.5h3.8c.2%200%20.3.1.4.3l2.2%207.9h.1l2.2-7.9c0-.2.2-.3.4-.3h3.7c.2%200%20.3.1.4.3l2.3%207.9h.1l2.2-7.9c0-.2.2-.3.4-.3h3.6c.3%200%20.4.3.4.5l-4.2%2012.2zm-19.5.3h-2.6c-.2%200-.4-.1-.5-.4l-.3-.8c-.4.4-.9.7-1.5%201-.7.4-1.6.5-2.6.6h-.3c-1%200-1.8-.2-2.6-.6-.8-.4-1.4-.9-1.9-1.5s-.9-1.4-1.2-2.2c-.3-.8-.4-1.7-.4-2.6%200-.9.1-1.8.4-2.6.3-.8.7-1.5%201.2-2.2.5-.6%201.2-1.1%201.9-1.5.8-.4%201.6-.5%202.5-.5%201%200%201.8.2%202.4.5.7.4%201.2.8%201.5%201.2h.1v-6.1c0-.2.2-.4.4-.4h3.5c.2%200%20.4.2.4.4v17.3c-.1.2-.2.4-.4.4zm-4-7.7c-.1-.4-.4-.8-.6-1.1-.3-.3-.6-.6-1-.8-.4-.2-.8-.3-1.3-.3s-.9.1-1.3.3c-.4.2-.7.4-1%20.7-.3.3-.5.7-.6%201.1-.1.4-.2.8-.2%201.2%200%20.4.1.8.2%201.2.1.4.3.8.6%201.1.3.3.6.6%201%20.8.4.2.8.3%201.3.3s.9-.1%201.3-.3c.4-.2.7-.4%201-.8.3-.3.5-.7.6-1.1.1-.4.2-.8.2-1.2%200-.3%200-.7-.2-1.1zm-10.2-5.2l-.1%203c0%20.2-.2.4-.4.3h-.7c-.6%200-1.1.1-1.4.3-.4.2-.7.5-.9.8-.2.3-.4.6-.5%201-.1.3-.2.6-.2.9v6.3c0%20.2-.2.4-.4.4h-3.5c-.2%200-.4-.2-.4-.4v-12.2c0-.2.2-.4.4-.4h2.8c.2%200%20.4.2.5.4l.3.9a5%205%200%200%201%201.6-1.1c.2-.1.4-.2.6-.2.5-.2%201-.3%201.5-.3h.6c.1-.1.2.1.2.3zm-19.5%207.6c0%20.4.1.7.3%201%20.2.3.4.6.7.8.3.2.6.4%201%20.5.4.1.7.2%201.1.2.7%200%201.3-.1%201.7-.4l.9-.6c.2-.2.4-.2.6%200l1.8%201.9c.2.2.2.5%200%20.6-.5.4-1%20.8-1.6%201.1-1%20.5-2.2.7-3.5.7-1%200-1.9-.2-2.8-.5-.9-.3-1.6-.7-2.3-1.3-.7-.6-1.2-1.3-1.5-2.1-.4-.9-.6-1.8-.6-2.9%200-1.1.2-2%20.5-2.9.4-.9.9-1.6%201.5-2.2.6-.6%201.4-1.1%202.2-1.4.9-.3%201.8-.5%202.8-.5%201%200%201.8.2%202.6.5s1.5.8%202.1%201.4c.6.6%201%201.3%201.3%202.2.3.9.5%201.9.5%203v1h-9.3v-.1zm4.8-4.4c-.4-.5-1.1-.7-1.9-.7-.4%200-.8.1-1.1.2-.3.1-.7.3-.9.5-.3.2-.5.5-.6.8-.2.3-.2.6-.3%201h5.5c0-.7-.2-1.3-.7-1.8zm-10.7%209.7h-3.6c-.2%200-.4-.2-.4-.4v-6.7c0-.4%200-.7-.1-1l-.3-.9c-.1-.3-.3-.5-.6-.6-.3-.1-.6-.2-1-.2s-.7.1-1%20.2c-.3.1-.5.4-.7.6-.2.3-.3.6-.4.9-.1.3-.1.7-.1%201.1v6.7c0%20.2-.2.4-.4.4h-3.6c-.2%200-.4-.2-.4-.4v-12.2c0-.2.2-.4.4-.4h2.8c.2%200%20.4.1.5.4l.3.8c.4-.4.9-.7%201.5-1%20.7-.3%201.5-.5%202.5-.5h.1c.8%200%201.6.2%202.1.5.6.3%201.1.7%201.5%201.2.4.5.6%201.1.8%201.7.2.6.2%201.3.2%201.9v7.6c.2.1.1.3-.1.3z%22%20%2F%3E%3C%2Fsvg%3E)](https:\/\/www.nerdwallet.com\/)\n\nCredit 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Much Should I Contribute to a 401(k) in 2025-2026?\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# How Much Should I Contribute to a 401(k) in 2025-2026?\nThe amount you should contribute to a 401(k) depends on your savings plan and whether your employer matches contributions.\n\n![](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2022\/10\/GettyImages-874419726-1920x1152.jpeg)\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\nUpdated\n\nNov 13, 2025\n\n· 2 min read\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[![Arielle O'Shea](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2019\/08\/aoshea-user-avatar-160x160.jpg)](https:\/\/www.nerdwallet.com\/author\/arielle-oshea)\n\nWritten by\n\nArielle O'Shea\n\n[![Arielle O'Shea](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2019\/08\/aoshea-user-avatar-160x160.jpg)](https:\/\/www.nerdwallet.com\/author\/arielle-oshea)\n\n[Arielle O'Shea](https:\/\/www.nerdwallet.com\/author\/arielle-oshea)\n\nHead of Content, Investing & Taxes\n***\n19 years of experience\n\nExpertise\n\n- Retirement planning\n- investment management\n- investment accounts\n\nArielle O’Shea leads the investing and taxes team at NerdWallet. She has covered personal finance and investing for nearly 20 years, and was a senior writer and spokesperson at NerdWallet before becoming an editor. Previously, she was a researcher and reporter for leading personal finance journalist and author Jean Chatzky, a role that included developing financial education programs, interviewing subject matter experts and helping to produce television and radio segments. Arielle has appeared on the \"Today\" show, NBC News and ABC's \"World News Tonight,\" and has been quoted in national publications including The New York Times, MarketWatch and Bloomberg News. She is based in Charlottesville, Virginia.\n\nPublished in ![The New York Times](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/TheNewYorkTimes.webp)![The Associated Press](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/TheAssociatedPress.webp)![MarketWatch](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/Marketwatch.webp)![USA Today](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/USAToday.webp)\n\nHead of Content, Investing & Taxes\n\n\\+    more\n\n[![Chris Hutchison](https:\/\/www.nerdwallet.com\/tachyon\/2019\/08\/chris-user-avatar.png?resize=160%2C160)](https:\/\/www.nerdwallet.com\/author\/chris-hutchison)\n\nEdited by\n\nChris Hutchison\n\n[![Chris Hutchison](https:\/\/www.nerdwallet.com\/tachyon\/2019\/08\/chris-user-avatar.png?resize=160%2C160)](https:\/\/www.nerdwallet.com\/author\/chris-hutchison)\n\n[Chris Hutchison](https:\/\/www.nerdwallet.com\/author\/chris-hutchison)\n\nHead of Content, New Verticals\n***\n11 years of experience\n\nChris Hutchison helped build NerdWallet's editorial operation and has directed coverage across banking, investing, taxes and insurance. He now leads a team exploring new verticals. Before joining NerdWallet, he was an editor and programmer at ESPN and an editor at the San Jose Mercury News.\n\nHead of Content, New Verticals\n\n\\+    more\n\nSOME CARD INFO MAY BE OUTDATED\n\nThis page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer.\n\nWhen planning your 401(k) contributions, most financial pros will say that the first priority is to contribute at least enough to earn your employer match, if offered. That ensures you don't miss out on free money to help your 401(k) balance grow.\n\nThat said, maybe your employer doesn't offer a match, or maybe you want to contribute more than the match. Here's how you can figure out how much to set aside in your 401(k).\n\n## How much can I contribute to a 401(k)?\nThe IRS sets an annual contribution limit for retirement accounts, including 401(k) plans. The most you can contribute to a 401(k) is \\$24,500 in 2026. People aged 50 and older can contribute an extra \\$8,000 as a catch-up contribution. Due to the Secure 2.0 Act, those aged 60, 61, 62 and 63 get a higher catch-up contribution of \\$11,250.. Employers can also contribute to their employee 401(k) plans.\n\nIt is possible to add even more to a 401(k) plan through [after-tax contributions](https:\/\/www.nerdwallet.com\/retirement\/learn\/after-tax-401k-contributions). However, whether you can do this this depends on your plan rules.\n\n» Learn more: [How the 401(k) contribution limit works](https:\/\/www.nerdwallet.com\/retirement\/learn\/401k-contribution-limits)\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](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2025\/12\/image-14.jpg)\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%2Flearn%2Fhow-much-to-contribute-to-401k)\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## How much should I contribute to a 401(k)?\nThe annual limit dictates how much you can contribute, but it doesn't offer any guidance on how much you should contribute, or even if you should [max out your 401(k)](https:\/\/www.nerdwallet.com\/retirement\/learn\/maxing-out-401k).\n\nYour retirement savings goals should guide your 401(k) contribution amount.\n\n- Estimate your needs: Some experts recommend saving enough to replace about 80% of your preretirement income when you retire. In reality, how much money you may need depends on when you plan to retire, how much of your current income you’d actually like to replace and how much you want to rely on [Social Security retirement benefits](https:\/\/www.nerdwallet.com\/investing\/calculators\/social-security-calculator). You can create your own estimate for [how much you need for retirement](https:\/\/www.nerdwallet.com\/retirement\/learn\/how-to-save-for-retirement) or work with a [financial advisor](https:\/\/www.nerdwallet.com\/financial-advisors\/learn\/how-to-choose-a-financial-advisor) to get help with more complicated goals.\n\n- Consider the 15% rule: Contributing enough to hit your employer match, if offered, can help ensure you're not leaving free money on the table. Many financial pros urge savers to consider allocating 10% to 15% of their income to 401(k) contributions during their working years, but this is just a guideline. You can start at a lower contribution and work your way up over time.\n\n» MORE: [Try our retirement calculator](https:\/\/www.nerdwallet.com\/investing\/calculators\/retirement-calculator)\n\n![Video thumbnail](https:\/\/i.ytimg.com\/vi_webp\/PcEyQDeGoUU\/sddefault.webp)\n\n## An IRA might be a better (or additional) option\nSome 401(k) plans, typically at large companies, offer access to investments with very low expense ratios, making those investments cheaper than if you invested in the same products outside of your 401(k) plan.\n\nSometimes, the opposite is true; small companies generally can’t negotiate for low-fee funds the way large companies can. And because 401(k) plans typically offer a small selection of investments, you’re limited to what's available.\n\nIf you're already contributing enough to get your employer match and you want to invest additional cash, or if you don't have an employer match and want another place to start, consider an [individual retirement account (IRA)](https:\/\/www.nerdwallet.com\/retirement\/learn\/what-is-a-roth-ira). It comes in two forms:\n\n1. The [traditional IRA](https:\/\/www.nerdwallet.com\/retirement\/learn\/what-is-a-traditional-ira), which offers a tax break upfront for contributing.\n2. The [Roth IRA](https:\/\/www.nerdwallet.com\/retirement\/learn\/what-is-a-roth-ira), which offers a tax break for withdrawals in the future during retirement.\n\nWith an IRA, you can choose your own provider, allowing you more investment and cost options compared to a 401(k) plan. However, the [IRA contribution limit](https:\/\/www.nerdwallet.com\/retirement\/learn\/ira-contribution-limits) is much lower — \\$7,000 for 2025 (\\$8,000 if aged 50 and older). For 2026, the limit is \\$7,500 (\\$8,600 if aged 50 and older) — so if you max that out but want to continue saving, go back to your 401(k).\n\nLet’s be clear: While fees are a bummer, matching dollars from your employer outweigh any fee you might be charged. But once you’ve contributed enough to earn the full match — or if you’re in a plan with no match at all — deciding whether to contribute to your 401(k) is all about those fees. If the fees are high, consider directing additional dollars to an IRA.\n\n» MORE: [Learn the financial independence retire early (FIRE) method](https:\/\/www.nerdwallet.com\/retirement\/learn\/financial-independence-retire-early)\n\n## 401(k), IRA, Roth: Know the tax impact\n- With a traditional 401(k), your contributions come out of your paycheck pretax, but distributions in retirement are taxed as income. That means your money grows tax-deferred.\n- A Roth 401(k) plan takes after-tax dollars, but distributions in retirement are tax-free — you never pay taxes on investment growth.\n- If your employer doesn’t offer a Roth 401(k), you may want to contribute to a Roth IRA after you’ve achieved your 401(k) match. This can help build some tax-free income in retirement.\n- In general, money you contribute to a Roth account is more valuable in retirement because you’re not handing a portion of every distribution to the IRS. If you max out that Roth IRA and need to continue saving, consider going back to the 401(k) and continuing your contributions there.\n\n» Next step: [Use our 401(k) calculator to see how your contributions will add up](https:\/\/www.nerdwallet.com\/retirement\/calculators\/401k-calculator)\n\n[Back to top]()\n\nAbout the author\n\n[![Arielle O'Shea](https:\/\/www.nerdwallet.com\/tachyon\/2019\/08\/aoshea-user-avatar.jpg?resize=70%2C70)](https:\/\/www.nerdwallet.com\/author\/arielle-oshea)\n\n[Arielle O'Shea](https:\/\/www.nerdwallet.com\/author\/arielle-oshea)  Arielle is a NerdWallet authority on retirement and investing, with appearances on the \"Today\" Show, \"NBC Nightly News\" and other national media.  [See full bio.](https:\/\/www.nerdwallet.com\/author\/arielle-oshea)\n\nHelpful resources\n\n[Best Financial Advisors](https:\/\/www.nerdwallet.com\/financial-advisors\/best)\n\n[3 Ways to Search for a Financial Advisor Near You](https:\/\/www.nerdwallet.com\/financial-advisors\/learn\/how-to-find-a-financial-advisor-near-you)\n\n[How to Choose a Financial Advisor in 5 Steps](https:\/\/www.nerdwallet.com\/financial-advisors\/learn\/how-to-choose-a-financial-advisor)\n\n[3 Best Wealth Management Services](https:\/\/www.nerdwallet.com\/financial-advisors\/best\/wealth-advisors)\n\nMore like this\n\n[Investment Basics](https:\/\/www.nerdwallet.com\/investing\/learn)[Investing](https:\/\/www.nerdwallet.com\/investing)[Retirement](https:\/\/www.nerdwallet.com\/retirement)\n\nRelated articles\n\n[![](https:\/\/www.nerdwallet.com\/tachyon\/2018\/04\/GettyImages-1163568487.jpg?resize=600%2C360) How Much Does a Financial Advisor Cost? ![Andrea Coombes's profile 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(CA resident license no.OK92033) [Insurance Licenses](https:\/\/www.nerdwallet.com\/nerdwallet-insurance-services-inc-licenses-and-disclosures)\n\nFundera, Inc. NMLS ID\\# 1240038[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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planning your 401(k) contributions, most financial pros will say that the first priority is to contribute at least enough to earn your employer match, if offered. That ensures you don't miss out on free money to help your 401(k) balance grow.\n\nThat said, maybe your employer doesn't offer a match, or maybe you want to contribute more than the match. Here's how you can figure out how much to set aside in your 401(k).\n\nThe IRS sets an annual contribution limit for retirement accounts, including 401(k) plans. The most you can contribute to a 401(k) is \\$24,500 in 2026. People aged 50 and older can contribute an extra \\$8,000 as a catch-up contribution. Due to the Secure 2.0 Act, those aged 60, 61, 62 and 63 get a higher catch-up contribution of \\$11,250.. Employers can also contribute to their employee 401(k) plans.\n\nIt is possible to add even more to a 401(k) plan through [after-tax contributions](https:\/\/www.nerdwallet.com\/retirement\/learn\/after-tax-401k-contributions). However, whether you can do this this depends on your plan rules.\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](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2025\/12\/image-14.jpg)\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%2Flearn%2Fhow-much-to-contribute-to-401k)\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\nHow much should I contribute to a 401(k)?\n\nThe annual limit dictates how much you can contribute, but it doesn't offer any guidance on how much you should contribute, or even if you should [max out your 401(k)](https:\/\/www.nerdwallet.com\/retirement\/learn\/maxing-out-401k).\n\nYour retirement savings goals should guide your 401(k) contribution amount.\n\n- Estimate your needs: Some experts recommend saving enough to replace about 80% of your preretirement income when you retire. In reality, how much money you may need depends on when you plan to retire, how much of your current income you’d actually like to replace and how much you want to rely on [Social Security retirement benefits](https:\/\/www.nerdwallet.com\/investing\/calculators\/social-security-calculator). You can create your own estimate for [how much you need for retirement](https:\/\/www.nerdwallet.com\/retirement\/learn\/how-to-save-for-retirement) or work with a [financial advisor](https:\/\/www.nerdwallet.com\/financial-advisors\/learn\/how-to-choose-a-financial-advisor) to get help with more complicated goals.\n\n- Consider the 15% rule: Contributing enough to hit your employer match, if offered, can help ensure you're not leaving free money on the table. Many financial pros urge savers to consider allocating 10% to 15% of their income to 401(k) contributions during their working years, but this is just a guideline. You can start at a lower contribution and work your way up over time.\n\n![Video thumbnail](https:\/\/i.ytimg.com\/vi_webp\/PcEyQDeGoUU\/sddefault.webp)\n\nAn IRA might be a better (or additional) option\n\nSome 401(k) plans, typically at large companies, offer access to investments with very low expense ratios, making those investments cheaper than if you invested in the same products outside of your 401(k) plan.\n\nSometimes, the opposite is true; small companies generally can’t negotiate for low-fee funds the way large companies can. And because 401(k) plans typically offer a small selection of investments, you’re limited to what's available.\n\nIf you're already contributing enough to get your employer match and you want to invest additional cash, or if you don't have an employer match and want another place to start, consider an [individual retirement account (IRA)](https:\/\/www.nerdwallet.com\/retirement\/learn\/what-is-a-roth-ira). It comes in two forms:\n\n1. The [traditional IRA](https:\/\/www.nerdwallet.com\/retirement\/learn\/what-is-a-traditional-ira), which offers a tax break upfront for contributing.\n2. The [Roth IRA](https:\/\/www.nerdwallet.com\/retirement\/learn\/what-is-a-roth-ira), which offers a tax break for withdrawals in the future during retirement.\n\nWith an IRA, you can choose your own provider, allowing you more investment and cost options compared to a 401(k) plan. However, the [IRA contribution limit](https:\/\/www.nerdwallet.com\/retirement\/learn\/ira-contribution-limits) is much lower — \\$7,000 for 2025 (\\$8,000 if aged 50 and older). For 2026, the limit is \\$7,500 (\\$8,600 if aged 50 and older) — so if you max that out but want to continue saving, go back to your 401(k).\n\nLet’s be clear: While fees are a bummer, matching dollars from your employer outweigh any fee you might be charged. But once you’ve contributed enough to earn the full match — or if you’re in a plan with no match at all — deciding whether to contribute to your 401(k) is all about those fees. If the fees are high, consider directing additional dollars to an IRA.\n\n401(k), IRA, Roth: Know the tax impact\n\n- With a traditional 401(k), your contributions come out of your paycheck pretax, but distributions in retirement are taxed as income. That means your money grows tax-deferred.\n- A Roth 401(k) plan takes after-tax dollars, but distributions in retirement are tax-free — you never pay taxes on investment growth.\n- If your employer doesn’t offer a Roth 401(k), you may want to contribute to a Roth IRA after you’ve achieved your 401(k) match. This can help build some tax-free income in retirement.\n- In general, money you contribute to a Roth account is more valuable in retirement because you’re not handing a portion of every distribution to the IRS. If you max out that Roth IRA and need to continue saving, consider going back to the 401(k) and continuing your contributions there.","meta_canonical":null}

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URL	https://www.nerdwallet.com/retirement/learn/how-much-to-contribute-to-401k
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Meta Title	How Much Should I Contribute to My 401(k)? - NerdWallet
Meta Description	Consider allocating 10%-15% of your pay to a 401(k) in your working years. If you’ve contributed enough to get a match, an IRA is one option for surplus dollars.
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Boilerpipe Text	When planning your 401(k) contributions, most financial pros will say that the first priority is to contribute at least enough to earn your employer match, if offered. That ensures you don't miss out on free money to help your 401(k) balance grow. That said, maybe your employer doesn't offer a match, or maybe you want to contribute more than the match. Here's how you can figure out how much to set aside in your 401(k). The IRS sets an annual contribution limit for retirement accounts, including 401(k) plans. The most you can contribute to a 401(k) is $24,500 in 2026. People aged 50 and older can contribute an extra $8,000 as a catch-up contribution. Due to the Secure 2.0 Act, those aged 60, 61, 62 and 63 get a higher catch-up contribution of $11,250. . Employers can also contribute to their employee 401(k) plans. It is possible to add even more to a 401(k) plan through after-tax contributions . However, whether you can do this this depends on your plan rules. 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. How much should I contribute to a 401(k)? The annual limit dictates how much you can contribute, but it doesn't offer any guidance on how much you should contribute, or even if you should max out your 401(k) . Your retirement savings goals should guide your 401(k) contribution amount. Estimate your needs: Some experts recommend saving enough to replace about 80% of your preretirement income when you retire. In reality, how much money you may need depends on when you plan to retire, how much of your current income you’d actually like to replace and how much you want to rely on Social Security retirement benefits . You can create your own estimate for how much you need for retirement or work with a financial advisor to get help with more complicated goals. Consider the 15% rule : Contributing enough to hit your employer match, if offered, can help ensure you're not leaving free money on the table. Many financial pros urge savers to consider allocating 10% to 15% of their income to 401(k) contributions during their working years, but this is just a guideline. You can start at a lower contribution and work your way up over time. An IRA might be a better (or additional) option Some 401(k) plans, typically at large companies, offer access to investments with very low expense ratios, making those investments cheaper than if you invested in the same products outside of your 401(k) plan. Sometimes, the opposite is true; small companies generally can’t negotiate for low-fee funds the way large companies can. And because 401(k) plans typically offer a small selection of investments, you’re limited to what's available. If you're already contributing enough to get your employer match and you want to invest additional cash, or if you don't have an employer match and want another place to start, consider an individual retirement account (IRA) . It comes in two forms: The traditional IRA , which offers a tax break upfront for contributing. The Roth IRA , which offers a tax break for withdrawals in the future during retirement. With an IRA, you can choose your own provider, allowing you more investment and cost options compared to a 401(k) plan. However, the IRA contribution limit is much lower — $7,000 for 2025 ($8,000 if aged 50 and older). For 2026, the limit is $7,500 ($8,600 if aged 50 and older) — so if you max that out but want to continue saving, go back to your 401(k). Let’s be clear: While fees are a bummer, matching dollars from your employer outweigh any fee you might be charged. But once you’ve contributed enough to earn the full match — or if you’re in a plan with no match at all — deciding whether to contribute to your 401(k) is all about those fees. If the fees are high, consider directing additional dollars to an IRA. 401(k), IRA, Roth: Know the tax impact With a traditional 401(k), your contributions come out of your paycheck pretax, but distributions in retirement are taxed as income. That means your money grows tax-deferred. A Roth 401(k) plan takes after-tax dollars, but distributions in retirement are tax-free — you never pay taxes on investment growth. If your employer doesn’t offer a Roth 401(k), you may want to contribute to a Roth IRA after you’ve achieved your 401(k) match. This can help build some tax-free income in retirement. In general, money you contribute to a Roth account is more valuable in retirement because you’re not handing a portion of every distribution to the IRS. If you max out that Roth IRA and need to continue saving, consider going back to the 401(k) and continuing your contributions there.
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The amount you should contribute to a 401(k) depends on your savings plan and whether your employer matches contributions. ![](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2022/10/GettyImages-874419726-1920x1152.jpeg) 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. Updated Nov 13, 2025 · 2 min read 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) [![Arielle O'Shea](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2019/08/aoshea-user-avatar-160x160.jpg)](https://www.nerdwallet.com/author/arielle-oshea) Written by Arielle O'Shea [![Arielle O'Shea](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2019/08/aoshea-user-avatar-160x160.jpg)](https://www.nerdwallet.com/author/arielle-oshea) [Arielle O'Shea](https://www.nerdwallet.com/author/arielle-oshea) Head of Content, Investing & Taxes * 19 years of experience Expertise - Retirement planning - investment management - investment accounts Arielle O’Shea leads the investing and taxes team at NerdWallet. She has covered personal finance and investing for nearly 20 years, and was a senior writer and spokesperson at NerdWallet before becoming an editor. Previously, she was a researcher and reporter for leading personal finance journalist and author Jean Chatzky, a role that included developing financial education programs, interviewing subject matter experts and helping to produce television and radio segments. Arielle has appeared on the "Today" show, NBC News and ABC's "World News Tonight," and has been quoted in national publications including The New York Times, MarketWatch and Bloomberg News. She is based in Charlottesville, Virginia. Published in ![The New York Times](https://cdns3.nerdwallet.com/lending/publication-logos/TheNewYorkTimes.webp)![The Associated Press](https://cdns3.nerdwallet.com/lending/publication-logos/TheAssociatedPress.webp)![MarketWatch](https://cdns3.nerdwallet.com/lending/publication-logos/Marketwatch.webp)![USA Today](https://cdns3.nerdwallet.com/lending/publication-logos/USAToday.webp) Head of Content, Investing & Taxes \+ more [![Chris Hutchison](https://www.nerdwallet.com/tachyon/2019/08/chris-user-avatar.png?resize=160%2C160)](https://www.nerdwallet.com/author/chris-hutchison) Edited by Chris Hutchison [![Chris Hutchison](https://www.nerdwallet.com/tachyon/2019/08/chris-user-avatar.png?resize=160%2C160)](https://www.nerdwallet.com/author/chris-hutchison) [Chris Hutchison](https://www.nerdwallet.com/author/chris-hutchison) Head of Content, New Verticals *** 11 years of experience Chris Hutchison helped build NerdWallet's editorial operation and has directed coverage across banking, investing, taxes and insurance. He now leads a team exploring new verticals. Before joining NerdWallet, he was an editor and programmer at ESPN and an editor at the San Jose Mercury News. Head of Content, New Verticals \+ more SOME CARD INFO MAY BE OUTDATED This page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer. When planning your 401(k) contributions, most financial pros will say that the first priority is to contribute at least enough to earn your employer match, if offered. That ensures you don't miss out on free money to help your 401(k) balance grow. That said, maybe your employer doesn't offer a match, or maybe you want to contribute more than the match. Here's how you can figure out how much to set aside in your 401(k). ## How much can I contribute to a 401(k)? The IRS sets an annual contribution limit for retirement accounts, including 401(k) plans. The most you can contribute to a 401(k) is \$24,500 in 2026. People aged 50 and older can contribute an extra \$8,000 as a catch-up contribution. Due to the Secure 2.0 Act, those aged 60, 61, 62 and 63 get a higher catch-up contribution of \$11,250.. Employers can also contribute to their employee 401(k) plans. It is possible to add even more to a 401(k) plan through [after-tax contributions](https://www.nerdwallet.com/retirement/learn/after-tax-401k-contributions). However, whether you can do this this depends on your plan rules. » Learn more: [How the 401(k) contribution limit works](https://www.nerdwallet.com/retirement/learn/401k-contribution-limits) 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](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2025/12/image-14.jpg) [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%2Flearn%2Fhow-much-to-contribute-to-401k) NWWP is an SEC-registered investment adviser. Registration does not imply skill or training. Calculator by NerdWallet, Inc., an affiliate, for informational purposes only. ## How much should I contribute to a 401(k)? The annual limit dictates how much you can contribute, but it doesn't offer any guidance on how much you should contribute, or even if you should [max out your 401(k)](https://www.nerdwallet.com/retirement/learn/maxing-out-401k). Your retirement savings goals should guide your 401(k) contribution amount. - Estimate your needs: Some experts recommend saving enough to replace about 80% of your preretirement income when you retire. In reality, how much money you may need depends on when you plan to retire, how much of your current income you’d actually like to replace and how much you want to rely on [Social Security retirement benefits](https://www.nerdwallet.com/investing/calculators/social-security-calculator). You can create your own estimate for [how much you need for retirement](https://www.nerdwallet.com/retirement/learn/how-to-save-for-retirement) or work with a [financial advisor](https://www.nerdwallet.com/financial-advisors/learn/how-to-choose-a-financial-advisor) to get help with more complicated goals. - Consider the 15% rule: Contributing enough to hit your employer match, if offered, can help ensure you're not leaving free money on the table. Many financial pros urge savers to consider allocating 10% to 15% of their income to 401(k) contributions during their working years, but this is just a guideline. You can start at a lower contribution and work your way up over time. » MORE: [Try our retirement calculator](https://www.nerdwallet.com/investing/calculators/retirement-calculator) ![Video thumbnail](https://i.ytimg.com/vi_webp/PcEyQDeGoUU/sddefault.webp) ## An IRA might be a better (or additional) option Some 401(k) plans, typically at large companies, offer access to investments with very low expense ratios, making those investments cheaper than if you invested in the same products outside of your 401(k) plan. Sometimes, the opposite is true; small companies generally can’t negotiate for low-fee funds the way large companies can. And because 401(k) plans typically offer a small selection of investments, you’re limited to what's available. If you're already contributing enough to get your employer match and you want to invest additional cash, or if you don't have an employer match and want another place to start, consider an [individual retirement account (IRA)](https://www.nerdwallet.com/retirement/learn/what-is-a-roth-ira). It comes in two forms: 1. The [traditional IRA](https://www.nerdwallet.com/retirement/learn/what-is-a-traditional-ira), which offers a tax break upfront for contributing. 2. The [Roth IRA](https://www.nerdwallet.com/retirement/learn/what-is-a-roth-ira), which offers a tax break for withdrawals in the future during retirement. With an IRA, you can choose your own provider, allowing you more investment and cost options compared to a 401(k) plan. However, the [IRA contribution limit](https://www.nerdwallet.com/retirement/learn/ira-contribution-limits) is much lower — \$7,000 for 2025 (\$8,000 if aged 50 and older). For 2026, the limit is \$7,500 (\$8,600 if aged 50 and older) — so if you max that out but want to continue saving, go back to your 401(k). Let’s be clear: While fees are a bummer, matching dollars from your employer outweigh any fee you might be charged. But once you’ve contributed enough to earn the full match — or if you’re in a plan with no match at all — deciding whether to contribute to your 401(k) is all about those fees. If the fees are high, consider directing additional dollars to an IRA. » MORE: [Learn the financial independence retire early (FIRE) method](https://www.nerdwallet.com/retirement/learn/financial-independence-retire-early) ## 401(k), IRA, Roth: Know the tax impact - With a traditional 401(k), your contributions come out of your paycheck pretax, but distributions in retirement are taxed as income. That means your money grows tax-deferred. - A Roth 401(k) plan takes after-tax dollars, but distributions in retirement are tax-free — you never pay taxes on investment growth. - If your employer doesn’t offer a Roth 401(k), you may want to contribute to a Roth IRA after you’ve achieved your 401(k) match. This can help build some tax-free income in retirement. - In general, money you contribute to a Roth account is more valuable in retirement because you’re not handing a portion of every distribution to the IRS. If you max out that Roth IRA and need to continue saving, consider going back to the 401(k) and continuing your contributions there. » Next step: [Use our 401(k) calculator to see how your contributions will add up](https://www.nerdwallet.com/retirement/calculators/401k-calculator) [Back to top]() About the author [![Arielle O'Shea](https://www.nerdwallet.com/tachyon/2019/08/aoshea-user-avatar.jpg?resize=70%2C70)](https://www.nerdwallet.com/author/arielle-oshea) [Arielle O'Shea](https://www.nerdwallet.com/author/arielle-oshea) Arielle is a NerdWallet authority on retirement and investing, with appearances on the "Today" Show, "NBC Nightly News" and other national media. 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policy](https://www.nerdwallet.com/p/nerdwallet-california-privacy-policy)[Privacy preferences](https://www.nerdwallet.com/p/privacy-policy)[Do not sell or share my personal information](https://privacyportal.onetrust.com/webform/694a76f6-1f82-455e-b46e-ffeed902c3fa/db85134f-a11a-451c-a462-3f2f39a662bc) Disclaimer: NerdWallet strives to keep its information accurate and up to date. 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. NerdWallet™ \\| 4150 N Drinkwater Blvd, Suite 200, Scottsdale, AZ 85251 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Readable Markdown	When planning your 401(k) contributions, most financial pros will say that the first priority is to contribute at least enough to earn your employer match, if offered. That ensures you don't miss out on free money to help your 401(k) balance grow. That said, maybe your employer doesn't offer a match, or maybe you want to contribute more than the match. Here's how you can figure out how much to set aside in your 401(k). The IRS sets an annual contribution limit for retirement accounts, including 401(k) plans. The most you can contribute to a 401(k) is \$24,500 in 2026. People aged 50 and older can contribute an extra \$8,000 as a catch-up contribution. Due to the Secure 2.0 Act, those aged 60, 61, 62 and 63 get a higher catch-up contribution of \$11,250.. Employers can also contribute to their employee 401(k) plans. It is possible to add even more to a 401(k) plan through [after-tax contributions](https://www.nerdwallet.com/retirement/learn/after-tax-401k-contributions). However, whether you can do this this depends on your plan rules. 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](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2025/12/image-14.jpg) [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%2Flearn%2Fhow-much-to-contribute-to-401k) NWWP is an SEC-registered investment adviser. Registration does not imply skill or training. Calculator by NerdWallet, Inc., an affiliate, for informational purposes only. How much should I contribute to a 401(k)? The annual limit dictates how much you can contribute, but it doesn't offer any guidance on how much you should contribute, or even if you should [max out your 401(k)](https://www.nerdwallet.com/retirement/learn/maxing-out-401k). Your retirement savings goals should guide your 401(k) contribution amount. - Estimate your needs: Some experts recommend saving enough to replace about 80% of your preretirement income when you retire. In reality, how much money you may need depends on when you plan to retire, how much of your current income you’d actually like to replace and how much you want to rely on [Social Security retirement benefits](https://www.nerdwallet.com/investing/calculators/social-security-calculator). You can create your own estimate for [how much you need for retirement](https://www.nerdwallet.com/retirement/learn/how-to-save-for-retirement) or work with a [financial advisor](https://www.nerdwallet.com/financial-advisors/learn/how-to-choose-a-financial-advisor) to get help with more complicated goals. - Consider the 15% rule: Contributing enough to hit your employer match, if offered, can help ensure you're not leaving free money on the table. Many financial pros urge savers to consider allocating 10% to 15% of their income to 401(k) contributions during their working years, but this is just a guideline. You can start at a lower contribution and work your way up over time. ![Video thumbnail](https://i.ytimg.com/vi_webp/PcEyQDeGoUU/sddefault.webp) An IRA might be a better (or additional) option Some 401(k) plans, typically at large companies, offer access to investments with very low expense ratios, making those investments cheaper than if you invested in the same products outside of your 401(k) plan. Sometimes, the opposite is true; small companies generally can’t negotiate for low-fee funds the way large companies can. And because 401(k) plans typically offer a small selection of investments, you’re limited to what's available. If you're already contributing enough to get your employer match and you want to invest additional cash, or if you don't have an employer match and want another place to start, consider an [individual retirement account (IRA)](https://www.nerdwallet.com/retirement/learn/what-is-a-roth-ira). It comes in two forms: 1. The [traditional IRA](https://www.nerdwallet.com/retirement/learn/what-is-a-traditional-ira), which offers a tax break upfront for contributing. 2. The [Roth IRA](https://www.nerdwallet.com/retirement/learn/what-is-a-roth-ira), which offers a tax break for withdrawals in the future during retirement. With an IRA, you can choose your own provider, allowing you more investment and cost options compared to a 401(k) plan. However, the [IRA contribution limit](https://www.nerdwallet.com/retirement/learn/ira-contribution-limits) is much lower — \$7,000 for 2025 (\$8,000 if aged 50 and older). For 2026, the limit is \$7,500 (\$8,600 if aged 50 and older) — so if you max that out but want to continue saving, go back to your 401(k). Let’s be clear: While fees are a bummer, matching dollars from your employer outweigh any fee you might be charged. But once you’ve contributed enough to earn the full match — or if you’re in a plan with no match at all — deciding whether to contribute to your 401(k) is all about those fees. If the fees are high, consider directing additional dollars to an IRA. 401(k), IRA, Roth: Know the tax impact - With a traditional 401(k), your contributions come out of your paycheck pretax, but distributions in retirement are taxed as income. That means your money grows tax-deferred. - A Roth 401(k) plan takes after-tax dollars, but distributions in retirement are tax-free — you never pay taxes on investment growth. - If your employer doesn’t offer a Roth 401(k), you may want to contribute to a Roth IRA after you’ve achieved your 401(k) match. This can help build some tax-free income in retirement. - In general, money you contribute to a Roth account is more valuable in retirement because you’re not handing a portion of every distribution to the IRS. If you max out that Roth IRA and need to continue saving, consider going back to the 401(k) and continuing your contributions there.
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