401(k) contribution limits explained

Understand 401(k) contributions, employer match and compounding. Free 401(k) growth calculator for US savers.

Employee deferrals

IRS sets annual elective deferral limits (they change yearly). Catch-up contributions may apply age 50+. Always confirm current IRS numbers.

Match is free money when you contribute enough to capture it. Model growth with the 401(k) calculator.

Traditional lowers taxable income now; Roth grows tax-free later. Compare with the Roth IRA calculator for IRA-side planning.

Educational content only — not tax or financial advice. Verify with IRS.gov or a CPA.