401(k)
A 401(k) is an employer-sponsored retirement account you fund straight from your paycheck, often with a matching contribution from your employer. Traditional 401(k) money goes in pre-tax and lowers this year's taxable income; a Roth 401(k) is funded after-tax and comes out tax-free.
The employer match is the closest thing to free money in personal finance — always contribute at least enough to capture it in full. The 2026 employee contribution limit is $24,500, with catch-up contributions allowed at 50 and older.
Put it to work
401(k) Calculator
Project your 401(k) balance at retirement — including the employer match — and check your contributions against the 2026 IRS limit of $24,500.
Retirement Calculator
Project your retirement savings: what your balance could reach by retirement age and the monthly income it could sustainably provide.
Take-Home Pay Calculator
See your actual paycheck after federal tax, Social Security, Medicare, 401(k), health premiums, and state tax — per paycheck and per year (2026 figures).