US Retirement Calculators 2026

Retirement planning in the US centres around tax-advantaged accounts: 401(k) through your employer, and Traditional or Roth IRAs that you open independently. Each has distinct tax treatment, contribution limits and withdrawal rules.

401(k) key facts for 2026: Employee deferral limit of $23,500. Catch-up contributions of $7,500 for ages 50–59 and 64+. Enhanced super catch-up of $11,250 for ages 60–63 (SECURE 2.0). Employer match contributions are essentially free money — always capture the full match first.

IRA key facts for 2026: Annual contribution limit of $7,000 ($8,000 if age 50+). Traditional IRA contributions may be tax-deductible depending on income and whether you have a workplace plan. Roth IRA contributions are made with after-tax dollars, and qualified withdrawals in retirement are tax-free.

The 4% Rule: A popular retirement income guideline suggesting you can withdraw 4% of your portfolio in year one, then adjust for inflation each subsequent year, with a high probability of not outliving your money over a 30-year retirement. Use our retirement calculator to model your specific scenario.