US Retirement Contribution Limit Calculator
Check a planned employee 401(k) or basic IRA contribution against year and age limits.
Your result
FINANCIALEnter your values and select calculate.
On this page How it works & practical examples
How to use the US Retirement Contribution Limit Calculator
Check a contribution ceiling, not account eligibility. Choose the year and account. The special 60–63 catch-up replaces the normal 50-plus catch-up rather than adding to it.
The calculation
Worked example
At age 62 in 2026, the standard employee 401(k) deferral ceiling including the special age-60–63 catch-up is $35,750.
Assumptions and limits
Does not determine deductibility, Roth MAGI phase-outs, employer contributions, plan restrictions or mandatory Roth catch-up treatment. Compensation supplied must already be eligible under applicable rules; shared account limits remain the user’s responsibility.
Common questions
Which inputs should I use?
Check a contribution ceiling, not account eligibility. Choose the year and account. The special 60–63 catch-up replaces the normal 50-plus catch-up rather than adding to it.
What does the result exclude?
Does not determine deductibility, Roth MAGI phase-outs, employer contributions, plan restrictions or mandatory Roth catch-up treatment. Compensation supplied must already be eligible under applicable rules; shared account limits remain the user’s responsibility.