Calculators
401(k) Calculators
Contribution limits, employer match, Roth comparisons, and every tax angle on your 401(k) — including divorce, inheritance, profit sharing, and safe harbor matching — all free, no signup.
401(k) calculators
Live now — built and tested against the actual IRS contribution limits and tax formulas, not a generic estimate.
401k Max Contribution Calculator
LiveFind the per-paycheck amount needed to hit the annual IRS limit.
401k Match Calculator
LiveCheck whether you're capturing your full employer match.
Roth or 401k Calculator
LiveCompare Roth vs. traditional 401(k) growth side by side.
Taxes on 401k Withdrawal Calculator
LiveSee the penalty and tax owed on an early 401(k) withdrawal.
401k Paycheck Calculator
LiveSee how a contribution change affects your take-home pay.
401k Tax Deduction Calculator
LiveEstimate tax owed on a 401(k) withdrawal or Roth conversion.
Specialty 401(k) calculators
The less common — but still frequently searched — 401(k) situations.
401k to Roth IRA Conversion Calculator
LiveWhat a conversion actually costs today, paid from outside funds vs. the converted amount.
401k Divorce (QDRO) Calculator
LiveCalculate the marital share using the coverture fraction courts actually use.
401k Profit Sharing Calculator
LiveSee your max employer profit sharing contribution under the 2026 combined limit.
401k Inherited / Beneficiary Calculator
LiveFind out if the SECURE Act's 10-year rule requires annual withdrawals in your case.
401k Safe Harbor Match Calculator
LiveCompare Basic, Enhanced, Non-elective, and QACA safe harbor formulas.
401k Fees Calculator
LiveSee what a 1% fee difference actually costs you over 35 years.
From the blog
Deep dives to help you get more out of every calculator above.
Solo 401(k) for the Self-Employed: Contribution Limits, Profit Sharing, and Fees Explained
Why a Solo 401(k) can let you save two to three times more than a SEP IRA at the same income.
Read more →Should You Convert Your 401(k) to a Roth IRA? The Tax Math Explained
What a conversion actually costs today, and when it pays for itself in retirement.
Read more →How a 401(k) Actually Gets Split in a Divorce (QDROs Explained)
Why you can't just write a check, and what a Qualified Domestic Relations Order actually requires.
Read more →Frequently asked questions
Before you pick a 401(k) calculator.
Are these 401(k) calculators really free?
Yes — every calculator on this page is free to use, with no signup or account required.
How current are the contribution limits used here?
All calculators use the current IRS contribution limits for 2026, including the $24,500 employee deferral limit and the $72,000 combined 415(c) limit, updated whenever the IRS publishes new figures.
Which 401(k) calculator should I start with?
If you're just checking your savings rate, start with the 401k Max Contribution or Match Calculator. For a specific life event — divorce, inheritance, or a Roth conversion decision — use the matching specialty calculator above instead.
Do these calculators cover Solo 401(k)s for the self-employed?
The core calculators apply to standard employer-sponsored plans. Solo 401(k) contribution limits and profit sharing rules for the self-employed are covered in our dedicated guide.